“Adverse Credit Mortgages” are not a specific mortgage product. The term refers to the advice we give people with adverse credit. All mortgages are subject to status and lender criteria.
Adverse Credit Mortgages
At Rosa Mortgages, we understand that life doesn’t always go to plan. A missed payment, a dip in income, or a past financial issue shouldn’t define your future — especially when it comes to owning a home.
If you have adverse credit and are worried about getting a mortgage, you’re not alone. Many people just like you have successfully secured mortgages with our help. We believe in second chances, clear advice, and mortgages built around real lives — not just credit scores.
Our experienced mortgage advisers in Southport are experts in helping people with poor credit history find competitive mortgage deals that work for them. Whatever your story, we’re here to listen, support and guide you from start to finish — no judgement, just solutions.
What are Adverse Credit Mortgages?
Adverse credit mortgages are not a specific type of mortgage product. The term describes the advice we give people who have experienced financial difficulties in the past. Adverse credit might include:
- Missed or late payments
- County Court Judgements (CCJs)
- Loan or credit card defaults
- Individual Voluntary Arrangements (IVAs)
- Debt Management Plans
- Bankruptcy or repossession
These events can make it harder to be approved by high-street lenders — but that doesn’t mean you’re out of options. Specialist lenders assess your overall financial situation, not just your credit score, giving you a better chance of approval.
Types of Credit Issues We Can Help With
At Rosa Mortgages, we work with lenders who are open to a range of adverse credit situations. These include:
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County Court Judgements (CCJs):
Even recent CCJs don’t necessarily prevent you from getting a mortgage — especially if they’ve been settled or are low in value.
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Defaults:
Whether your defaults were on a credit card, utility bill or loan, we’ll work to find lenders that may still consider your application.
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Missed Payments:
Lenders vary in how they view missed payments. We help you build a case that shows improved financial behaviour.
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Individual Voluntary Arrangements (IVAs):
Some lenders will consider applications even while you’re still in an IVA, especially if you’re up to date with payments.
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Debt Management Plans:
You may be eligible for a mortgage even if you’re managing your debts through a formal plan.
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Bankruptcy:
Depending on how long ago your bankruptcy was discharged, we can advise on your options and help you plan the right time to apply.
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Repossession History:
If you’ve previously lost a home due to repossession, we understand the trauma — but also the possibilities ahead. Some lenders are open to applications after a suitable time period.
How Rosa Mortgages Can Help You
When you have a less-than-perfect credit record, it’s essential to work with a broker who understands how to present your application in the best possible light.
At Rosa Mortgages, we:
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Assess your full financial picture, not just your credit score.
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Access specialist lenders who are open to adverse credit cases.
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Match you with the right lender based on your circumstances.
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Support you through the paperwork, credit reports, and affordability checks.
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Negotiate on your behalf to secure the most suitable deal available.
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Provide a judgment-free, supportive service from start to finish.
Whether you’re a first-time buyer, remortgaging, or moving home, we can help you explore realistic options for getting onto — or back onto — the property ladder.
Preparing for a Mortgage with Bad Credit
There are a few steps you can take to improve your chances of success:
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Check your credit report – Use a service like Experian, Equifax, or TransUnion to review your history. We can help you interpret the results.
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Dispute any errors – Fix inaccuracies that may be affecting your score.
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Stay current on all payments – Lenders look for signs that you’re managing money well now.
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Avoid taking out new credit before applying.
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Save for a bigger deposit – The more you can put down, the more lenders may be willing to consider your application.
We’ll help you create a plan of action, whether you’re ready to apply now or want to strengthen your profile for the future.
Why Choose Rosa Mortgages for Adverse Credit Mortgages
We’re more than just mortgage brokers — we’re here to support and empower you.
- Experts in adverse credit cases
- Tailored advice, built around your unique story
- Access to lenders not found on the high street
- We help save you time, reduce stress and manage the whole process
- Local Southport experts with national reach
Most importantly, we listen. We understand. And we fight to find you the right mortgage — no matter your credit past.
FAQs About Adverse Credit Mortgages
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Can I get a mortgage with a CCJ or default?
Yes, depending on when the CCJ or default occurred, whether it has been satisfied, and your overall financial situation.
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Do I need a larger deposit with bad credit?
Usually, yes. A deposit of 15% to 30% can improve your options — but some lenders may accept 10% in certain cases.
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Will the interest rate be higher?
It may be slightly higher than mainstream rates, but still competitive — and many clients remortgage to better rates once their credit improves.
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How long after bankruptcy can I apply?
Typically, lenders prefer you to wait at least 12 months after discharge, though the longer the gap, the more options you may have.
Conclusion
Your past doesn’t have to hold you back. With the right advice and support, you can get a mortgage with adverse credit — and we’re here to guide you every step of the way.
Contact Rosa Mortgages today to speak with a friendly expert who genuinely wants to help. Everything you share is treated with complete confidentiality.
Take the first step to owning your own home, with Rosa Mortgages by your side.