We work with lenders who take a more flexible approach, looking beyond your credit score to understand your full situation. Our role is to guide you through the options, explain everything clearly, and give you honest advice about what’s possible now and what could improve your chances in the future.
CA Mortgages is Whole of Market, granting us access to an enormous panel of lenders, including those who focus specifically on borrowers with imperfect credit histories.
Adverse credit can cover many different financial situations, from missed or late payments on bills to defaults, CCJs, IVAs, or even bankruptcy in your past.
While these events stay on your credit file for several years, it doesn’t mean lenders won’t consider you. The key is knowing which lenders are open to applications and how to present your case in the best light. That’s where we can help.
At CA Mortgages, we specialise in supporting clients who may feel that a traditional bank or high-street lender won’t give them a fair chance.
Our service includes:
An honest assessment of your current position.
Access to lenders who consider more than just your credit score.
Guidance on deposit requirements and affordability.
Clear explanations of fees, rates, and criteria.
Support throughout the application process.
While it is possible to secure a mortgage with adverse credit, there are a few things to keep in mind:
Deposit size – Many lenders may ask for a larger deposit, often 15-25%, to reduce their risk.
Interest rates – Rates may be higher than standard mortgages, although they can improve over time as your credit record rebuilds.
Eligibility – The type and age of the credit issues will affect which lenders are available to you.
We know applying for a mortgage with bad credit can feel daunting. Our approach is personal and straightforward.
We’ll never overpromise, and we’ll always give you realistic, practical advice so you know where you stand.
For many of our clients, we’ve turned what felt like a dead end into a clear path to homeownership.
We’ll give you the best advice for your circumstances and help you on your way to securing the perfect mortgage. Contact CA Mortgages today.
