Adverse Credit
Worried your credit history
could hold you back?
Having experienced credit problems in the past doesn’t necessarily
mean you can’t get a mortgage. Whether you’ve had missed payments,
defaults, County Court Judgments (CCJs) or other adverse credit,
we’ll help you understand your options and compare lenders who
assess applications based on your overall circumstances, not just
your credit history.
✔ Access to High Street & Specialist Lenders
✔ Lenders Who Look Beyond Credit Scores
✔ Support from enquiry to completion
Every credit history is different
No two mortgage applications are the same. Some lenders place more emphasis on your recent financial behaviour than historic credit issues, while others specialise in helping applicants who have experienced adverse credit.
At Liberty Money, we’ll take the time to understand your circumstances and identify lenders whose criteria are most suited to your situation.
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Missed Payments
Some lenders may still consider your application depending on when the missed payments occurred and whether your finances have since improved.
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Defaults & CCJs
Historic defaults or County Court Judgments don’t always prevent you from obtaining a mortgage. The amount, age and whether they’ve been satisfied can all make a difference.
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Debt Management Plans
If you’ve previously entered into a debt management arrangement, there may still be mortgage options available depending on your current financial position.
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Past Credit Doesn’t Define Your Future
Many lenders assess applications individually, taking into account your income, deposit, affordability and the steps you’ve taken to improve your financial situation..
What will lenders consider?
Rather than relying solely on a credit score, many lenders will look at:
- The type of credit issue
- When it occurred
- Whether it has been satisfied
- Your current income and affordability
- Deposit size
- Overall financial stability
How we can help
With access to a wide range of high street and specialist lenders, we’ll explain your options clearly, recommend lenders whose criteria best match your circumstances and support you throughout your mortgage application.
Your credit history doesn’t have to be the end of your homeownership journey. Let’s explore your options together.
Why Choose Liberty Money?
Every credit history is different.
Rather than relying on automated decisions, we’ll take the time to understand your circumstances, explain which lenders may be suitable and recommend the mortgage that best fits your needs.
Whether your credit issues are historic or more recent, we’ll provide honest guidance throughout the process.
Independent mortgage advice
Clear comparison of your options
Support from review to completion
Advice tailored to your plans
Costs to Consider
Applying for an adverse credit mortgage may involve similar costs to a standard mortgage, although some specialist products may have different fees. We’ll explain everything clearly before you proceed.
Mortgage Product Fees
We’ll check whether leaving your current mortgage early is worthwhile.
Valuation Fees
Many lenders include a free mortgage valuation, although some specialist products may require a paid valuation.
Legal Fees
Your solicitor or conveyancer will handle the legal work required to complete your purchase or remortgage.
Adviser Fees
We’ll explain our fees clearly before you proceed, so you’ll always know exactly what to expect.
Credit Report
We’ll usually recommend reviewing your credit report before applying, helping ensure lenders receive accurate information.
Larger Deposit
Depending on your circumstances, some lenders may require a larger deposit. We’ll explain your options based on your individual situation.
Frequently Asked Questions
Ready to Review Your Mortgage?
Let’s find out whether your current deal is still the right one for you.
Whether you’re looking to save money, release equity or simply prepare for the end of your fixed rate, we’re here to make the process straightforward. We’ll compare suitable options, explain everything clearly and support you from your initial enquiry through to completion.
Explore Related Mortgage Guides
Many of our clients explore more than one mortgage option before deciding what’s right for them. Here are some related guides that may also be useful.