Your Home Finance
Repossession doesn't automatically stop you getting a mortgage.
Whether it was voluntary or forced, and whether any shortfall remains, the right specialist usually matters more than the label alone.
30+ years
post-repossession
Shortfall status
expertise
Specialist lenders
matched daily
FCA regulated
advice
How your case is assessed
How lenders assess a past repossession
The repossession matters — but date, shortfall status, conduct since, and deposit usually decide which specialists will look.
When did it happen?
Time since repossession is the primary gate — some specialists consider cases within the first year with a large deposit; options widen year by year.
Is there a shortfall?
Whether the sale covered the mortgage debt — and whether any shortfall is satisfied — often decides more than people expect.
Voluntary or forced?
Voluntary surrender is sometimes read more sympathetically — but both still need specialist lenders and full disclosure.
Conduct since, and deposit?
Clean credit behaviour, stable banking, rent history, and 25%+ deposit early on strengthen the recovery story.
You don't need to guess waiting periods — we map your repossession date, shortfall and full file first.
Specialist insight
Not every lender treats repossession the same way
Recent repossession
Higher challenge
Narrower panel · larger deposit typical · shortfall unpaid makes it harder — score-based declines are common before specialists see the recovery story.
Older repossession — shortfall settled, clean since
More lender choice
Broader adverse specialists · clearer path when deposit, employment and conduct since are strong.
Independent reviews
Verified client reviews on Reviews.io
Live verified reviews — not cherry-picked on-page quotes.
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Your adviser
Jay Sabine
Expert mortgage adviser specialising in complex cases including adverse credit, self-employed borrowers, and first-time buyers. All advice is tailored to your individual circumstances.
Content reviewed: 3 August 2026
CeMAP awarded by The London Institute of Banking & Finance. Cert CII (MP) awarded by the Chartered Insurance Institute.
Specialist in mortgages after repossession
Helping clients with complex credit histories for over 30 years · CeMAP, Cert CII (MP) · FCA regulated
“An unpaid shortfall is often the hidden blocker — people focus on the repossession entry and miss the outstanding debt.”
Reviewed by Jay Sabine · Mortgage adviser · 30+ years' experience
Lived experience
Mistakes we repeatedly see
Where post-repossession applications stall before a specialist sees the recovery story.
Ignoring whether a shortfall remains
Unsatisfied shortfall debt often blocks more than the repossession label itself.
Maximum LTV too soon after repossession
Early tiers need stronger deposit — thin equity burns searches.
Shame stopping the enquiry
Specialists underwrite recovery stories daily — silence leaves only high-street automation.
Another score-based application
High street rarely reads context. Specialist packaging does.
Real client scenarios
How we've helped after repossession
Based on genuine cases we've helped with. Personal details have been changed to protect privacy.
Repossession three years — shortfall settled
- Voluntary surrender
- Shortfall satisfied
- 25% deposit
- Approved
Situation
Repossession three years ago — voluntary surrender. Believed they would never own again. Shortfall satisfied, 25% deposit, stable employment, clean conduct since.
Challenge
Score-based declines and shame stopped them asking. The recovery story never reached a specialist underwriter.
What changed
One specialist adverse application with a full explanation of circumstances and recovery since repossession — manual underwriting, not automation.
Outcome
Approved where score-based lenders said no — time, shortfall status and conduct since mattered more than the label.
Why it worked
Full circumstances and clean conduct since reached a specialist — not a score that stopped at the label.
One year post-repossession — thin deposit
- Early recovery
- Built deposit
- Placed at ~24 months
Situation
One year post-repossession. Wanted maximum LTV immediately with a thin deposit.
Challenge
Lender set was very narrow at low deposit. Applying now would have burned searches on an unrealistic tier.
What changed
Mapped tiers honestly; client built deposit; we placed at about 24 months post-repossession with a stronger file.
Outcome
Right expectation prevented damaging searches — stronger file, better rate, one application.
Why it worked
Honest timing and deposit built a placeable file — one application instead of unrealistic early attempts.
What happens after you get in touch
From first contact to a clear answer
What happens when you get in touch — no hard search at this stage.
- 1
Tell us what happened (no hard search at this stage)
- 2
Jay reviews your circumstances
- 3
We discuss the appropriate route — honestly, without promising approval
- 4
If proceeding: Agreement in Principle → application → completion
Reassurance
- Free initial review — before any hard credit search
- We do not promise approval — we match honest advice to your file
- Wrong lender first hurts more than waiting — we guide the sequence
Before you enquire
What we'll ask you on the first call
Straightforward questions — no hard credit search at this stage.
- When the repossession happened
- Voluntary or forced?
- Any shortfall still outstanding?
- Deposit and conduct since
Advisory promise
When we might tell you to wait
We won't always tell you to apply today.
We may advise waiting where you are only recently post-repossession, a shortfall is still unpaid, or a stronger deposit is likely to increase lender choice or improve pricing.
If waiting would meaningfully widen options, we'll say so and help you plan that path. We give advice — not just applications.
Straight answers
Common questions about mortgages after repossession
Our promise
What we'll never do
- Tell you to apply if it won't work
- Send applications everywhere
- Recommend borrowing beyond your budget
- Hide bad news
We don't judge your credit history. We help you understand what's possible.
Find out what's possible
Tell us about the repossession and any shortfall — we'll assess what's realistically possible.
We don't recommend a lender until we've confirmed time since repossession, shortfall status, and deposit strength.
Shortfall status often matters more than the repossession label. A five-minute conversation can save weeks of wrong applications.
£500 adviser fee — payable on completion.
Let's review your repossession history
Free adviser assessment • No credit search • FCA regulated
We review your whole situation — CCJs, defaults, declines, all of it — before recommending a lender. No credit search at this stage.
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