MORTGAGES WITH BAD CREDIT

Can I get a mortgage if I have bad credit?
Yes — having bad credit doesn’t automatically stop you from getting a mortgage. While some high street lenders may be more cautious, many specialist lenders are open to applicants with CCJs, defaults, IVAs, debt management plans, or missed payments.

What factors affect my chances of getting a mortgage with bad credit?
Lenders look at how serious the credit issues were, how long ago they happened, and how stable your finances are now. In some cases, you may need a larger deposit, but other lenders may be more flexible if you’ve shown financial improvement.

Do any lenders accept people with recent or multiple credit problems?
Yes. Specialist lenders often have criteria designed specifically for people with various credit challenges. They assess the overall picture rather than focusing on just one issue.

How can Arun Financial Services help me?
Our advisors work with credit-challenged borrowers every day. We know which lenders are more accepting and what they look for. We guide you through the process step by step, offering clear, practical, and personalised advice.

Is it worth applying if I'm unsure about my eligibility?
Absolutely. Understanding your options is the first step. At Arun Financial Services, we’re here to answer your questions, review your situation, and help you move forward with confidence.

Your home may be repossessed if you do not keep up repayments on your mortgage.