Bespoke Finance
Buy to Let Mortgage Limited Company Buy to Let
HMO Purchase
Bridging Finance

What bad credit will mortgage lenders accept?

Bad Credit Mortgages are available based on your circumstances. We have collated the information found with our experience of mortgage lender criteria. You can use the table as an imperfect guide to see if you are eligible for an adverse credit mortgage.



The information is indicative and in no way guarantees you a mortgage. The best way to check if a "Yes" beneath applies to you is to talk to one of our advisors.



We highlight the difference between "secured" and "unsecured" bad credit cases. "Unsecured" is items like personal loans, electric or phone bills. "Secured" applies to second charge loans, mortgages and other finance secured on a property.



0-12 Months1-2 years2-3 years3-4 years4+ years
Late paymentsYesYesYesYesYes
Late payments (Secured)Yes (max 3 late)YesYesYesYes
CCJ’sYesYesYesYesYes
CCJ’s (Secured)UnlikelyMaybe, with over 25% DepositYesYesYes
DefaultsYesYesYesYesYes
Defaults (Secured)UnlikelyMaybe, with over 25% DepositMaybe, with over 20% DepositYesYes
RepossessionsUnlikelyMaybe, with over 25% DepositMaybe, with over 25% DepositYesYes
Debt MGMTMaybeYesYesYesYes
IVAMaybe, with over 25% DepositMaybe, with over 25% DepositMaybe, with over 20% DepositMaybe, with over 20% DepositMaybe, with over 10% Deposit
BankruptcyMaybe, with over 25% DepositMaybe, with over 25% DepositMaybe, with over 20% DepositMaybe, with over 20% DepositMaybe, with over 10% Deposit

Speak to an Adviser

Call
08009202001
Email
hello@bespokefinance.info
Apply Online Call me Back
Home Contact Us About Us Sitemap Privacy Policy Complaints
Buy to Let Mortgage Limited Company Buy to Let
Buy to Let Remortgage Limited Company Remortgage Buy to Let Product Switch
HMO Purchase HMO Remortgage Limited Company HMO
Bridging Finance Auction Finance

Copyright © 2019 Bespoke Finance Direct Limited. All Rights Reserved.

Bespoke Finance Direct Limited is authorised and regulated by the Financial Conduct Authority (No. 715805).

Bespoke Finance Direct Limited is registered in England and Wales (No. 09623432) at 31 Church Lane, Pudsey, LS28 7LD.

Bespoke Finance, HMO.Mortgage and LifeInsurance.Studio are all trading styles of Bespoke Finance Direct Limited.

Apply 08009202001 Track