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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Buy to Let After Bankruptcy – How Long Do You Need to Wait?
Bankruptcy is one of the most serious forms of bad credit. It stays on your record for years and makes borrowing tougher. But does it mean you’ll never get a buy to let mortgage? Not necessarily. With time, a strong deposit, and the right lender, it’s still possible.
Active DMP and Buy to Let – Do Lenders Allow It?
If you’re in a Debt Management Plan (DMP), you might think becoming a landlord is impossible. While many high street banks won’t accept it, some specialist lenders will still consider a buy to let mortgage with an active DMP – especially if payments are consistent and you have a strong deposit.
Can I Get a Right to Buy Mortgage After an IVA?
An Individual Voluntary Arrangement (IVA) is one of the more serious types of bad credit, but it doesn’t mean your Right to Buy (RTB) dream is over. There are lenders who may still consider your application once the IVA is settled – and in some cases, settlement can even come from the remortgage itself.
Which Lenders Offer Right to Buy Mortgages with Bad Credit
Having bad credit doesn’t mean your Right to Buy (RTB) dream is over. Plenty of tenants with defaults, CCJs, or past insolvencies have successfully bought their council homes. The difference between approval and rejection often comes down to preparation. Here are the key steps to boost your chances.
Tips to Improve Your Chances of Approval for Right to Buy with Bad Credit
Having bad credit doesn’t mean your Right to Buy (RTB) dream is over. Plenty of tenants with defaults, CCJs, or past insolvencies have successfully bought their council homes. The difference between approval and rejection often comes down to preparation. Here are the key steps to boost your chances.
Self-Employed Right to Buy Mortgages with Bad Credit
Being self-employed already means lenders want a bit more paperwork – add bad credit into the mix and it can feel daunting. The good news? Right to Buy (RTB) mortgages are still possible for self-employed applicants, even with defaults, CCJs, or other credit issues, as long as you prepare properly.
Right to Buy with Defaults – Is It Possible?
Having defaults on your credit file doesn’t automatically rule you out of getting a Right to Buy (RTB) mortgage. There are lenders who will consider applications with defaults, especially if they’re older, small, or handled properly. What matters is how recent the defaults are, how large they are, your income, the equity/discount you’re using, and your overall financial stability.
Right to Buy with an Active DMP
Being in a Debt Management Plan (DMP) doesn’t automatically stop you from buying your council house through Right to Buy (RTB). While high street banks won’t accept it, there are specialist lenders who may still consider your case – especially if you have a good RTB discount and stable income.
Right to Buy After CCJs – What You Need to Know
County Court Judgments (CCJs) can feel like a major roadblock when applying for a mortgage. With Right to Buy (RTB), the good news is that specialist lenders may still consider your case – even if you’ve had CCJs registered against you. The key is how recent they are, how big they are, and how the rest of your finances look.
