Mortgages with a debt management plan

Need a mortgage with a Debt Management Plan (DMP)? You’re in the right place. We’re specialist mortgage brokers with a proven track record of making mortgages possible for people with DMPs, like you.

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Can I get a mortgage with a debt management plan?

Yes, you can get a mortgage with a debt management plan. When you’re applying for a mortgage, a lender will want to understand your current financial situation and assess your affordability, as well as any other issues on your credit report. Working with a specialist bad credit mortgage broker can help you to find the right lender who’ll present your application in a way that showcases the steps you've taken to repay your debts and to prevent the same issue from happening again.

There’s a few different ways a DMP can affect your credit score, and therefore, your mortgage application. 

Some creditors (the people or company you owe money to) will request that a note is added to your credit file to show you’re on a DMP, whereas others might not.

Generally, being on a DMP means that you’ll be making smaller repayments every month than you initially agreed to, and over a longer period of time. That can sometimes go down on your credit report as making underpayments each month. Underpayments can cause issues for your credit report and make it harder to get a mortgage. That’s because it signals to other lenders that you broke the terms of your credit agreement and were unable to keep up with full monthly payments.

Got questions?

What is a Debt Management Plan?

How long does a debt management plan stay on your credit file?

Does a debt management plan need to be satisfied before applying for a mortgage?

Can I get a mortgage after a debt management plan has been settled?

Do I need to put down a bigger deposit with a DMP?

Should I improve my credit score before applying for a mortgage?

How can I improve my credit score before getting a mortgage?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

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We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


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Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

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