Adverse Credit Mortgages

Missed payments

At Home Group Financial, we believe that past financial difficulties shouldn’t prevent you from owning a home or remortgaging. If you’ve experienced issues such as missed payments, defaults, CCJs, or even bankruptcy, there may still be mortgage options available to you.

Real life credit

We specialise in helping clients across the UK secure adverse credit mortgages—working with lenders who understand real-life credit challenges and assess applications on a case-by-case basis.

What Is Adverse Credit?

Adverse credit refers to a history of missed payments or financial problems that have affected your credit file. These can include:

• Missed or late payments on credit cards or loans
• Mortgage or rent arrears
• Defaults
• County Court Judgments (CCJs)
• Individual Voluntary Arrangements (IVAs)
• Bankruptcy

Important considerations

Specialist adverse credit mortgages may come with:

• Higher interest rates
• Larger required deposits
• Tighter lending criteria

We will always be upfront with you about the costs, risks, and realistic options available, helping you make informed, long-term decisions.