We can help customers who may have experienced CCJs, defaults and arrears. As a specialist in mortgage lending, we have the ability to individually underwrite cases when required, assisting more customers with their mortgage needs.

So what do we accept?

CCJs

  • Satisfied
  • Unsatisfied
  • Accept Criteria
    • If total value <£1000
    • If total value <£500

Arrears

  • Secured
  • Unsecured
  • Mortgage
  • Other
  • Accepted Criteria
    • Up to 2 months arrears in last 24 months

Bankruptcy

  • Accept Criteria
    • Must be discharged & >3 years must have passed since bankruptcy order

Defaults

  • Satisfied
  • Unsatisfied
  • Accept Criteria
    • If total value <£1000
    • If total value <£500

IVAs

  • Satisfied
  • Accept Criteria
    • Any satisfied IVA

All cases are subject to full assessment and a credit score pass. For full details on the points above, please refer to our Mortgage Lending Criteria Guide and Product Guides.