Question 1

Where can I find mortgage brokers who handle complex credit histories?

Accepted Answer

Your Home Finance specialises in mortgages for people with complex credit histories including CCJs, defaults, IVAs, bankruptcy, and missed payments. With 29 years' experience, we access specialist lenders who consider the full picture—not just credit scores. We've helped thousands of clients with adverse credit secure mortgages when high street banks said no.

Question 2

Can I get a mortgage with a CCJ or default on my credit file?

Accepted Answer

Yes, mortgages are available with CCJs and defaults. Key factors are: how old the issue is (older is better), the amount involved, whether it's satisfied/settled, and your deposit size. Your Home Finance accesses specialist lenders who consider CCJs over 12 months old, satisfied defaults, and can work with amounts up to £25,000+.

Question 3

How soon after bankruptcy can I get a mortgage?

Accepted Answer

You can apply for a mortgage immediately after bankruptcy discharge, though more options become available 1-3 years post-discharge. Your Home Finance has access to specialist lenders who consider recently discharged bankrupts with strong deposits (15%+). The longer since discharge and the larger your deposit, the better your rates.

Question 4

Will bad credit affect my mortgage interest rate?

Accepted Answer

Adverse credit typically means higher interest rates initially, but rates improve as credit issues age. Your Home Finance finds the most competitive rates available for your situation and can advise on remortgaging to better rates once your credit improves. Many clients remortgage to mainstream rates within 2-3 years.

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