Credit Impaired Mortgages
A past credit issue shouldn’t hold back your future. At CP Mortgage Solutions, we offer independent guidance and access to over 180 lenders, including specialist providers who consider applications others may decline.
Supportive, Understanding Mortgage Advice
If you’ve experienced late payments, defaults, CCJs, debt management plans, or a previous repossession, the mortgage process can feel daunting - but you don’t have to face it alone.
We’re here to understand your story, not just your credit score.
We’ll take time to review what happened, how it impacts your options, and what lenders look for when assessing credit-impaired applications. Our aim is to help you move forward with confidence and clarity.
Helping You Present Your Income Clearly and Confidently
Every lender views credit history differently. We identify which lenders are most open to your profile and explain how each option affects your rates, eligibility, and long-term goals.
We’ll guide you through:
- Which types of credit issues each lender considers
- How old credit events influence your chances
- What documents you’ll need
- How to improve your affordability picture
- Strategies to strengthen your application before submission
With careful planning and expert guidance, it’s often possible to secure a competitive mortgage deal - even with past challenges.
An Ally Who Works in Your Best Interest
We negotiate with lenders who will consider your circumstances, not just your history. By presenting your case clearly and proactively addressing concerns, we help remove unnecessary obstacles and keep the process smooth.
Choosing us means having an adviser who listens, understands, and always works to find the fairest path forward for you.
Credit Impaired Mortgage FAQs
1. Can I get a mortgage with bad credit?
Yes. Many specialist lenders will consider applicants with missed payments, defaults, CCJs, or past debt issues. We’ll guide you to lenders suited to your situation.
. How long do credit issues affect my mortgage options?
Most credit events stay on your file for 6 years, but their impact reduces over time. Some lenders may accept recent issues, while others require older credit events - we’ll explain your options clearly.
3. Will I need a larger deposit?
Some lenders may ask for a slightly higher deposit, depending on the severity of past issues. We’ll outline exactly what each lender requires.
4. Does improving my credit score help my chances?
Yes, and we can advise on steps that may help - such as clearing small debts, correcting errors on your credit file, or registering on the electoral roll.
5. Can I remortgage with bad credit?
Often yes. Even if your current lender can’t help, specialist lenders may offer suitable options. We’ll compare deals and help you find the best route forward.
