A default, CCJ, debt management plan or past bankruptcy doesn't automatically disqualify you - but it does change which lenders will consider you and how long you need to wait. We map your credit history against each lender's criteria so you apply where you'll actually be accepted, not where you'll be rejected and leave another footprint.
Defaults and missed payments
Satisfied defaults become more acceptable over time. Some specialist lenders will consider you 12 months after a satisfied default; high-street lenders typically want 3–6 years. We match your timeline to the right tier.
- Specialist lenders from 12 months after a satisfied default
- High-street lenders typically want 3–6 years
- Unsatisfied defaults need a clear repayment plan
CCJs
County Court Judgments stay on your file for 6 years. Satisfied CCJs under a certain value are more acceptable than larger or unsatisfied ones. We know the thresholds each lender applies.
- Satisfied CCJs more acceptable than unsatisfied
- Lender-specific value thresholds
- 6-year register period explained
DMPs and discharged bankruptcy
A Debt Management Plan shows commitment to repayment but limits lender choice until completed. Discharged bankruptcies are considered by specialist lenders, usually 12 months+ after discharge. We place you with the right desk.
- DMP: limited options until completed
- Discharged bankruptcy: specialist lenders from 12 months+
- IVAs handled on completion
Common questions
How long after a default can I get a mortgage?
Some specialist lenders consider you 12 months after a satisfied default. High-street lenders typically want 3–6 years. We match your timeline to the right tier of lender.
Can I get a mortgage after bankruptcy?
Yes, once discharged. Specialist lenders usually consider applications from 12 months after discharge, with a larger deposit (often 15%+).