Mortgages when your credit history isn't perfect
Missed payments, defaults, CCJs, IVAs, or a discharged bankruptcy don't have to mean the end of your mortgage plans. Specialist lenders take a different view — and we know who they are.
- Whole-of-market access
- Specialist mortgage advisers
- Thousands of products available
Adverse credit — sometimes called sub-prime or specialist lending — is a properly regulated and well-served part of the mortgage market. The right lender for you depends on the type of adverse, its age, and its size.
We'll look at your credit file with you, explain how each lender is likely to view it, and match you to one that will price you fairly rather than penalise you.
Situations we help with
- Missed or late payments
- Defaults (registered or satisfied)
- County Court Judgments (CCJs)
- Debt Management Plans (DMPs)
- Individual Voluntary Arrangements (IVAs)
- Discharged bankruptcy
- Repossession history
How rates compare
Rates on adverse credit mortgages sit above high-street rates, but the gap narrows quickly as the adverse ages. Many borrowers remortgage back to a mainstream lender within 2–5 years.
Preparing your application
We recommend pulling your credit file (Experian, Equifax, TransUnion) before we apply. That way we know exactly what the lender will see and can address anything unusual up-front.
Get in touch with our team
Tell us a bit about your mortgage needs and we'll guide you toward a suitable broker.
- Emailinfo@osl-fs.co.uk
- Phone+44 1952 459683
- Office11 Dinthill, Telford, England TF3 2DT, GB