Adverse credit
Adverse credit mortgage guidance
We help you understand what lenders look for if you have missed payments, defaults, or a thin credit history.
We can help if you have
- Missed or late payments
- Defaults or CCJs
- Low credit score
- Limited credit history
How we support you
We explore lender criteria, explain the impact of your credit history, and help you take steps to strengthen future applications.
Mortgage advice is subject to status and lender criteria.
Helpful preparation
- Review your credit report
- Reduce unsecured debts where possible
- Prepare full income evidence
- Save for a larger deposit
Contact Us
Get in touch today to arrange your FREE mortgage consultation.
As an appointed representative, Divine Harvest Mortgages Ltd can provide regulated mortgage advice and arrange mortgages and protection insurance (non-investment insurance contracts).
We will confirm the scope of advice, suitability checks, and any fees before you proceed. See our advice process and fees summary.