Combining first-time buyer status with adverse credit is the hardest combination - a smaller deposit and a narrower lender pool. But it's not impossible. We match your specific credit history to the specialist lenders who'll consider it, and we're honest about the deposit and rate you'll need.
Realistic deposit expectations
With adverse credit, 95% LTV is rarely available. Expect to need 15%–25% deposit depending on the severity and recency of the adverse. We'll tell you the real figure, not a hopeful one.
- 15%–25% deposit typically required
- More recent/severe adverse needs a bigger deposit
- Honest assessment of what's achievable
Credit rebuilding before you apply
If your adverse is recent, a few months of rebuilding - settling small balances, ensuring on-time payments - can widen your options. We advise on the quickest wins before you apply.
- Settle small outstanding balances
- Ensure all current payments on time
- Avoid new credit applications pre-mortgage
