Our Expertise
Adverse Credit
A less than perfect credit history does not automatically close the door on a mortgage. It does mean the application deserves careful preparation.
Overview
What is adverse credit?
Adverse credit is a broad term covering missed payments, defaults, county court judgements, arrangements to pay, debt management plans, individual voluntary arrangements and bankruptcy. Each carries different weight, and lenders take different views on how recent and how significant an event is.
Applications of this type are rarely about finding a single answer. They are about understanding exactly what appears on your credit file, presenting the background accurately, and approaching lenders whose criteria reflect your situation.
Who might this be suitable for?
- Clients with missed payments or defaults on their credit file
- Applicants with a satisfied or unsatisfied CCJ
- Clients who have exited a debt management plan or IVA
- Borrowers who have been declined elsewhere
- Applicants unsure what their credit file actually shows
How Help to Lend can help
- 01We review your credit file with you so there are no surprises later in the process.
- 02We explain how the age, size and type of an event may be viewed by different lenders.
- 03We prepare supporting explanations where context is relevant to the underwriter.
- 04We approach lenders selectively to avoid unnecessary credit searches.
Assessment
What may lenders and providers consider?
Recency
How long ago an event occurred is often as relevant as the event itself.
Severity and value
The amount involved and whether it has been satisfied can influence a lender's view.
Deposit
A larger deposit can widen the range of lenders willing to consider an application.
Conduct since
A period of consistent, well-managed payments generally supports an application.
Criteria vary between providers and can change at any time. Nothing here confirms that a particular lender or insurer will accept an application.
The Process
How we work through it together.
- 01
Understand
We start with a conversation about your circumstances, plans and objectives.
- 02
Assess
We review your position, affordability and mortgage requirements in detail.
- 03
Recommend
We identify suitable mortgage and protection options and explain the reasoning.
- 04
Apply
We prepare and manage the application, liaising with the lender on your behalf.
- 05
Progress
We keep the case moving and keep you informed at every stage.
- 06
Complete
We support you through to completion and remain available afterwards.
FAQs
Frequently asked questions
Related
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Debt Consolidation
Combining borrowing into one payment, with the risks explained.
Second Charge
Additional secured borrowing alongside your existing mortgage.
Speak to an adviser about your circumstances.
We'll explain the options clearly and tell you what to prepare, with no obligation.
- 20+ Years of Advice
- Whole of Market Panel
- Support to Completion