55+ Expert Answers

Adverse Credit Mortgage Q&A

Everything you need to know about getting a mortgage with CCJs, defaults, IVAs, bankruptcy, missed payments and other credit issues.

Jay Sabine

CeMAP, Cert CII (MP)

29 Years Experience

Content reviewed: January 2026

CeMAP awarded by The London Institute of Banking & Finance. Cert CII (MP) awarded by the Chartered Insurance Institute.

Browse by Category

CCJs

7 questions

Defaults

6 questions

IVAs

5 questions

Bankruptcy

5 questions

Missed Payments

5 questions

Credit Scores

5 questions

Deposits

4 questions

Debt Management

3 questions

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Adverse Credit Mortgage Q&A

Browse by Category

Can I get a mortgage with a CCJ?CCJs

How long does a CCJ affect my mortgage application?CCJs

Does the CCJ amount matter for mortgages?CCJs

What's the difference between satisfied and unsatisfied CCJs?CCJs

Can I get a CCJ removed from my credit file?CCJs

How much deposit do I need with a CCJ?CCJs

Will my CCJ mortgage rate be higher?CCJs

Can I get a mortgage with defaults on my credit file?Defaults

How long do defaults stay on my credit file?Defaults

Do I need to pay off defaults before getting a mortgage?Defaults

How many defaults can I have and still get a mortgage?Defaults

Is a default the same as a CCJ?Defaults

What deposit do I need with defaults?Defaults

Can I get a mortgage during an IVA?IVAs

How long after IVA completion can I get a mortgage?IVAs

What deposit do I need after an IVA?IVAs

Does an IVA stay on my credit file forever?IVAs

Are mortgage rates higher after an IVA?IVAs

Can I get a mortgage after bankruptcy?Bankruptcy

How long does bankruptcy affect my mortgage application?Bankruptcy

What deposit do I need after bankruptcy?Bankruptcy

Does the reason for bankruptcy matter?Bankruptcy

Can I get a mortgage if bankruptcy was more than 6 years ago?Bankruptcy

Can I get a mortgage with missed payments on my credit file?Missed Payments

How do lenders view missed mortgage payments vs credit card payments?Missed Payments

How many late payments can I have?Missed Payments

Does a 1-month late payment matter?Missed Payments

How long do missed payments stay on credit files?Missed Payments

What credit score do I need for a mortgage?Credit Scores

Does checking my credit score affect my mortgage application?Credit Scores

Why do I have different scores with different agencies?Credit Scores

How can I improve my credit score quickly?Credit Scores

Do mortgage lenders see the same score I see?Credit Scores

What's the minimum deposit with bad credit?Deposits

Can I use gifted deposit with bad credit?Deposits

Does a larger deposit improve my chances with bad credit?Deposits

Can I use equity from another property as deposit?Deposits

Can I get a mortgage on a Debt Management Plan?Debt Management

How long after a DMP can I get a mortgage?Debt Management

Does a DMP show on my credit file?Debt Management

How soon can I remortgage after getting a bad credit mortgage?General

Do bad credit mortgages have higher fees?General

Can I get a bad credit mortgage with a small deposit?General

Will a guarantor help me get a mortgage with bad credit?General

Can I get a joint mortgage if one person has bad credit?General

Are there government schemes for bad credit borrowers?General

How long should I wait to apply after credit problems?General

Can I get a mortgage if I've been declined?General

Does self-employment make bad credit mortgages harder?General

What documents do I need for a bad credit mortgage?General

Can I get an interest-only mortgage with bad credit?General

Are online lenders good for bad credit mortgages?General

Can I get a bad credit mortgage on a new build?General

Will my bad credit affect the property I can buy?General

Can I add credit issues to a mortgage application later?General

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