Mortgages with a default

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.

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Can I get a mortgage with a default?

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.

What is a default?

How does a default affect your credit score?

Do I need a larger deposit if I have a default?

How long do defaults stay visible on your credit file?

How much can I borrow if I have defaults?

How soon after a default can I get a mortgage?

Can you get a default removed?

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.

Read our story

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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No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


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We only get paid when your mortgage is approved.

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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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