A few missed bills may not stop you from buying a home.

With something more serious on your record, like a County Court Judgement (CCJ), hope isn’t lost, but you'll need to dedicate some time and effort into improving your score. Your credit report shows the past 6 years of your financial activity. If you build up good credit in that time, you can improve your chances of getting a mortgage.

We are unfortunately unable to help you on your home buying journey currently if you have any of the following;

  • Any defaults or CCJs over £100 in the last 3 years.

  • Any unsatisfied CCJs or defaults

  • Taken out or are currently repaying a payday loan within the last 6 months OR

  • Have or plan to enter into a;

    • Bankruptcy/ Sequestration Order

    • Individual Voluntary Arrangement (IVA) / Trust Deed

    • Debt Management Plan (DMP)

    • Administration Order

    • Debt Relief Order

We also require applicants to have at least a "good" credit score.

If you have a satisfied default or CCJ under £100 within the last 3 years please reach out to us on live chat to discuss as we might be able to help you.

For more information on how to improve your credit score, view our FAQ here.

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