We all hit bumps along the way, and a few marks on your credit history shouldn't define your future. We look at the full picture, to find a mortgage that works for you now.
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Many UK adults experience poor credit for a variety of reasons. Poor credit history does not exclude you from the mortgage market and there are many lenders with suitable products.
We are happy to offer advice, and we can help with most situations such as:
A handful of missed payments on credit cards, loans or utility bills doesn't automatically rule out a mortgage. Lenders generally look at how recent and how frequent they were, and we'll match you with one suited to your circumstances.
A default is recorded when payments on an account stop altogether, and it carries more weight than a missed payment alone. We work with lenders who consider how long ago it happened, the amount involved and whether it's since been paid off.
A County Court Judgment (CCJ) is issued when a debt remains unpaid and goes through the courts. Specialist lenders look at how old the CCJ is, its value and whether it's now satisfied, rather than ruling you out automatically.
An IVA or bankruptcy is a bigger hurdle, but it doesn't mean a mortgage is out of reach for good. We work with lenders who specialise in cases like this, considering how long ago it was resolved and how you've managed your credit since.
Your home may be repossessed if you do not keep up with repayments on your mortgage
Book a no-obligation consultation call with a friendly advisor to discuss your plans.
Tell us all about your requirements for finance and your income & deposit situation.
We search the market with no affiliation to any specific lender. We only care about finding the right product for you.
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Previous bad credit may not be an obstacle to your new mortgage goals
Most lenders will move you onto their standard variable rate when your deal ends, which is rarely the best option available to you. At Noli Mortgages we’ll search the whole market to find a better deal and guide you through whether a remortgage or product transfer is the right move for your circumstances.