Bad Credit Mortgages UK 2026

Poor credit history doesn't necessarily prevent you from getting a mortgage. This guide explains your options, the impact of different credit issues, and practical steps to improve your chances of approval.

How Credit Issues Affect Mortgage Applications

• Missed payments — Recent ones have the most impact; older issues matter less
• Defaults — Usually need to be satisfied (paid off) before mainstream lenders will consider you
• County Court Judgments (CCJs) — Significantly restrict your options; specialist lenders only
• Bankruptcy/IVA — Typically need 3+ years discharged; specialist lenders with larger deposits
• Debt Management Plans — Some lenders will consider once completed; others during the plan