Information about
Adverse Credit

You may not know it, but all your credit history, good or bad, is stored on centralised computer databases owned by the large Credit Agencies such as Experian.

If you have missed monthly payments or are behind on payments, on mortgages, credit cards, store cards and loans of any kind, the Credit Agencies will know. They will also have records if you have County Court Judgements (CCJ's) registered against you or you have been made Bankrupt. They store all this information for every member of your household.


Can you still get a mortgage with an Adverse Credit history?

A mortgage can usually be found but it depends upon the severity of your credit history. (For example, mortgages are not available for Uncleared Bankrupts.) Our mortgage partners have access to a wide range of what are called “sub prime” mortgage lenders who will consider most applications.

If you would like a quotation now, click below and complete the simple form. A Mortgage adviser will then phone you within 24 hours to take your application forward.