mortgages
Adverse Credit
Real Solutions for Real-Life Circumstances
Life doesn’t always go according to plan, and financial setbacks can affect anyone. Whether you've experienced missed payments, defaults, County Court Judgments (CCJs), or even bankruptcy, it doesn’t necessarily mean homeownership is out of reach.
While some high-street lenders prefer applicants with flawless credit histories, there are specialist lenders who understand that credit problems don’t define your future.
What Is an Adverse Credit Mortgage?
Adverse credit (also known as sub-prime or non-conforming) mortgages are tailored for individuals whose credit history includes:
Missed or late payments.
Loan or credit card defaults.
CCJs.
Individual Voluntary Arrangements (IVAs).
Discharged bankruptcies.
These mortgages typically come with higher interest rates to reflect the perceived risk, but they can offer a crucial path toward homeownership and financial rehabilitation.
What You Should Know
You may need to provide a larger deposit (typically 15–30%).
Rates will be higher, but can be reduced over time with consistent repayments.
Redemption penalties may apply in the early years of the loan.
The Path to Rebuilding
While adverse credit mortgages are less competitive than mainstream deals, they offer a valuable opportunity to:
Get back on the property ladder.
Rebuild your credit score through regular payments.
Access better mortgage rates over time with a good payment track record.
Potentially remortgage to a standard product after 2–3 years.
Each application is carefully assessed, with interest rates and terms based on your current situation, not just your past.
How We Can Help
Clients with complex or adverse credit situations often require a more specialist approach.
Baker Hill Associates Ltd are not authorised to provide mortgage advice, including advice for individuals with adverse credit.
We work with a panel of trusted, authorised third-party partners who can:
• Assess your credit position
• Identify lenders open to adverse-credit applications
• Structure your application to maximise approval chances
• Provide compassionate, realistic guidance throughout
Any regulated mortgage advice will be delivered exclusively by our third-party specialist.
Frequently Asked Questions
What is considered "adverse credit" by mortgage lenders?
Adverse credit refers to a history of financial difficulties, such as late payments, defaults, County Court Judgments (CCJs), Individual Voluntary Arrangements (IVAs), or bankruptcy. Each lender has different criteria, so how your credit history affects your application will vary.
Will I need a larger deposit if I have bad credit?
Typically, yes. Lenders may require a larger deposit—often 15–30%—to offset the perceived risk. The exact amount depends on the severity and recency of your credit issues.
How can I improve my chances of getting a mortgage with bad credit?
Improving your credit score, saving a larger deposit, and showing evidence of stable income can all help. A mortgage adviser can also guide you to lenders who specialize in adverse credit mortgages, increasing your chances of approval.
Can I get a mortgage with bad credit?
Yes, it's possible to get a mortgage with adverse credit, although your options may be more limited. Specialist lenders often consider applicants with poor credit histories, including missed payments, defaults, CCJs, or bankruptcies. A mortgage adviser can help find the most suitable lenders for your situation.
Get in touch
Your credit history doesn’t have to define your future.
Get in touch today for a confidential conversation and take the first step toward homeownership with support you can trust.