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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Right to Buy After Bankruptcy – Is It Ever Approved?
Bankruptcy is one of the toughest forms of bad credit. Many people assume it means they’ll never get a mortgage again – but that isn’t true. With Right to Buy (RTB), some lenders will consider you once enough time has passed after discharge, especially if you have a strong discount and clean history since.
How Long After Bad Credit Before I Can Use Right to Buy?
One of the biggest questions council tenants ask is: “How long do I have to wait after bad credit before I can use Right to Buy (RTB)?” The answer depends on the type of credit issue, when it happened, and which lender you apply to. The good news? You may not need to wait as long as you think.
Can I Buy My Council House with No Deposit and Bad Credit?
The big attraction of Right to Buy (RTB) is the discount – and in many cases, that discount can be used as your deposit. But what if you also have bad credit? Can you still buy your council house with no cash deposit? The short answer is: yes, in many cases – but there are things you need to know.
Which Lenders Offer Bad Credit Remortgages?
If you’ve had defaults, CCJs, IVAs or other bad credit, you may be wondering which lenders will even look at your remortgage application. The truth is: high street banks usually say no, but there are specialist lenders who may consider you. The key is knowing which type of lender is right for your situation.
Tips to Improve Approval Chances When Remortgaging with Bad Credit
Remortgaging with bad credit isn’t always easy – but it’s far from impossible. The difference between being declined and approved often comes down to preparation. The good news? There are practical steps you can take today to improve your chances.
Self-Employed Remortgages with Bad Credit
Being self-employed already makes remortgaging more challenging, and adding bad credit into the mix can feel like a double hit. But lenders exist who understand both situations – and with the right preparation, remortgaging is still possible.
Remortgage After Defaults – What You Need to Know
Having defaults on your credit file doesn’t always mean you’re locked out of remortgaging. Specialist lenders exist, and with a few smart moves, you can get a better deal—sometimes bring down payments, consolidate debt, or even switch to a cheaper mortgage. Here’s your guide to what lenders look at, what expectations to set, and how to improve your chances.
Remortgage After CCJs – What You Need to Know
A County Court Judgment (CCJ) on your credit file can make getting a remortgage feel impossible. The truth is, while high street banks will usually say no, specialist lenders may still consider you. The key factors are how recent the CCJ is, whether it’s settled, and how much equity you have in your property.
IVA and Remortgaging – What You Need to Know
An Individual Voluntary Arrangement (IVA) is one of the more serious forms of bad credit. If you’re in, or have recently come out of, an IVA, you may assume remortgaging is impossible. The reality is, while high street banks will decline, there are specialist lenders who may still consider your case – sometimes even if the IVA is just being settled.
