Need a mortgage with defaults on your credit file? You’re in the right place. We’re specialist mortgage brokers with a proven track record of making mortgages possible for people with defaults, like you.
Yes, you can get a mortgage with a default! But it can be more difficult compared to someone with cleaner credit, but there are specialist lenders that are willing to lend to you. You’ll just have to meet their particular lending criteria.
Just as lenders have their own different lending criteria, they also view different kinds of defaults differently too. For example, if you’ve got a default on your mobile phone contract, most lenders won’t take that as seriously as a default on a secured loan.
If you have other credit issues (such as a CCJ or IVA) in addition to a default, your mortgage application will be more complicated.
It’s a good idea to check your credit history to see what’s on there before you apply for a mortgage. We recommend using checkmyfile* as it gives you a complete and thorough review of your current credit report. It’s also best to work with a specialist mortgage broker (like us!) who’ll be able to advise you on your options.
*Heads up, when you click through to our affiliate links, we may earn a small commission at no extra cost to you. We only recommend sites we truly trust and believe in.
If you have defaults on your credit file, you might be worried about getting accepted for a mortgage. The good news is it’s absolutely possible to get a mortgage with defaults, you’ll just have fewer choices than if you had a perfect credit score.
A lot of high street banks don’t like to see defaults on your mortgage application, so you’ll need to find a specialist lender. Specialist lenders have experience dealing with more complex situations, and will look at your application on a case by case basis.
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.
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.
No robots, no automated answers. We use technology to connect you to a real person. Not replace them.
We only get paid when your mortgage is approved.
Get connected to a default specialist mortgage broker who can make a mortgage possible for you.