Bad Credit Mortgage Blog & Guides (UK)
Clear, jargon-free mortgage advice from UK specialists. Browse tips for first-time buyers, bad credit applicants, remortgagers and Shared ownership, plus tools and calculators to plan your next move.
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Can You Get Shared Ownership With a Debt Management Plan (DMP) in 2026?
Short answer: yes… but it’s not straightforward.
If you’re in a Debt Management Plan (DMP) and looking at shared ownership, you’ve probably already hit a wall.
You might have been told:
• “No lenders will accept it”
• “You need to wait years”
• Or just a flat no with no real explanation
The truth sits somewhere in the middle.
Can You Get a Mortgage With Missed Payments?
If your credit score is low because of missed payments, you’re probably assuming getting a mortgage is going to be difficult.
That’s what most people think.
But in a lot of cases, missed payments are one of the easier things to work around, especially compared to things like CCJs or debt management plans
Can You Get a Mortgage With a CCJ and Just 5% Deposit?
If you’ve got a CCJ and you’ve been told you need a big deposit, you’re not alone.
Most people I speak to assume they need 10% or even 15% to have any chance. That’s usually because they’ve either been declined already or spoken to a bank who said no straight away.
The reality is a bit different.
Can I Get a Mortgage With Bad Credit in the UK in 2026?
Short answer: yes, it’s absolutely possible — and we help people do this every day.
But here’s the honest version most sites won’t give you: getting a mortgage with bad credit in 2026 is less about your credit score and more about what actually went wrong, when it happened, and what you’ve done since.
How to Build a Mortgage-Ready Credit Profile in 12 Months (2025 Guide)
You do not need perfect credit to get a mortgage in 2025. You do need a clean, stable and predictable profile that makes sense to a lender.
Why a 12 month plan works better than chasing a score.
Can You Get a Mortgage With Recent Defaults or CCJs in 2025? The Honest Truth
Can you get a mortgage with defaults or CCJs in 2025? Yes – and it’s easier than people think
Defaults and CCJs used to mean automatic decline. Not anymore. In 2025 specialist lenders regularly approve clients with:
Defaults within the last 3 to 6 months.
CCJs within the last 6 months.
Unsatisfied defaults or CCJs.
Multiple forms of adverse including DMPs, BNPL use and late payments.
Your recent 90 day behaviour matters more than the old credit issues themselves.
Remortgaging With Bad Credit in 2025 – Timing, Strategy and Lender Rules
Having CCJs, defaults or missed payments does not mean you are stuck on a high standard variable rate forever. In 2025 specialist lenders are more flexible than ever, even where credit issues are recent or unsatisfied, as long as the case is timed and packaged properly.
Shared Ownership With Bad Credit – Case Study + 2025 Guide
Shared ownership is one of the easiest ways into a home if you have bad credit. The deposit is lower, affordability is more forgiving and lenders are often far more flexible than the high street, especially in 2025.
What UK Specialist Lenders Are Really Looking For In a Bad Credit Mortgage in 2025
Bad credit no longer means an automatic no. In 2025 specialist lenders are very active, but they are also very specific about what they want to see on your application.
