Poor credit history, bad credits or defaults? Read the most frequently asked questions about mortgages and poor credit as responded to by our experienced mortgage experts.

When it comes to having bad credit, you can often find yourselves in a tough position when trying to find a lender and with this, getting expert advice is key to sourcing a mortgage that will suit your requirements and budget.

For more information about this, read our guide to bad credit mortgages and what your options are.

If you can't find what you need in our bad credit FAQs list below, you can ask your own credit-related question and one of our mortgage advisers will get back to you.

Missed mortgage payment

I have just applied to borrow money on my mortgage with Abbey. ...

Outstanding CCJs

I have several CCJs and looking to apply for a mortgage

Poor Credit History

I have bad credit

Debt Management Plan

I am in a debt management plan and pay rent of 800 pcm. A family...

How Can I get a CCJ Removed from My Credit File?

We have just put an offer in n a house, with a 10% deposit, we...

How long do I have to wait to get a mortgage?

Hi I wanted to find out how long I should wait to re apply apply...

Satisfied Default

Your credit history is likely to make it impossible for you to...

Arrangement to Pay

I am about to apply for a mortgage and am worried about my credit...

Outstanding CCJ

I have an unsatisfied ccj which will be 4 years old in august. I...

Declined by HSBC

Just because you have been declined by HSBC doesn't mean that you...

Right to Buy

Right to Buy with bad credit

We need 95% but have a default from 5 & 1/2 years ago. Can we get a mortgage?

My wife and I both have excellent credit scores. I have a settled...

A broker told me I can't get a mortgage because of a default settled 4 years ago. Is this true?

I have been told by a mortgage broker, that i am unable to get a...

Mortgage and Previous Repossession

My house was repossessed 3 years ago when I lost my job. Now I...

Satisfied CCJ and Defaults

I earn 23k annually, want to borrow 65k for mortgage and already...

CCJ & Guarantor Mortgages

I have a ccj on my record and I am struggling to get a mortgage....

Nationwide Application - Credit Commitments

Cut a long story short - I have a joint mortgage with a ex...

Mortgage with Poor Credit History

My wife and I are looking for a mortgage to the amount of...

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