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.

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...

Satisfied Default

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

Right to Buy

Right to Buy with bad credit

Mortgage with Poor Credit History

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

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...

What are the best guarantor mortgages for a shared ownership home?

I am self employed and in first year of trading, my partner is...

Can I remortgage to pay off my CCJs?

I have a morgage with nationwide building society ( a fixed term...

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...

Satisfied CCJ and Defaults

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

Satisfied Default

I have a default on my account due to lost correspondence with my...

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...

Debt Management Plan

My gf and i are currently saving for a house, we have about £10k...

CCJ & Guarantor Mortgages

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

Arrangement to Pay

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

Poor Credit History

I would like to buy small property as I am fed up keep moving and...

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