CCJ (County Court Judgment)
- We work with specialist lenders who assess the age, amount, and number of CCJs before making a decision.
- Even if your CCJs are recent, we may still be able to help if your overall profile is stable.
- Options are available with as little as 5–15% deposit, depending on circumstances.
If you’ve received a CCJ, it doesn’t mean homeownership is out of reach. We work with specialist lenders who consider the age and value of your CCJs and can still offer competitive mortgage options.
Defaults
- We assess your full credit history to understand the context behind missed payments.
- Lenders in our network take a balanced approach, looking beyond just credit scores.
- Mortgages are available even with multiple defaults, depending on when they occurred and their value.
Missed payments and account defaults are common, but they don’t have to stop you from getting a mortgage. We help assess your credit profile and find lenders who are open to working with clients in your situation.
Individual Voluntary Arrangement (IVA)
- Lenders consider whether your IVA is active, settled, or discharged.
- We help structure your application with supporting documents that show your financial recovery.
- You could be eligible for a mortgage as soon as 12 months after completing an IVA.
Having or completing an IVA can impact your credit, but it's still possible to get a mortgage. With access to lenders who understand financial rehabilitation, we can explore your options and help you move forward.
Bankruptcy
- Depending on how long ago you were discharged, you may be eligible after as little as 1–3 years.
- We help position your case positively to lenders that understand financial rehabilitation.
- Our team supports you in improving your credit standing while preparing for a successful mortgage application.
Even after bankruptcy, there is hope. Depending on how long ago it occurred and how your credit has recovered, you may still qualify for a mortgage. Our team will work to match you with the right lender at the right time.
Contact LIONSGATE
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Representative example A mortgage of £237,767 payable over 24 years, initially on a fixed rate until 30/09/27 at 5.19% and then on a variable rate of 6.24% for the remaining 22 years would require 26 payments of £1,445.40 followed by 262 payments of £1,583.81. The total amount payable would be £453,653 made up of the loan amount plus interest (£214,772) and fees (£1,114). The overall cost for comparison is 6.1% APRC representative.
Lionsgate investment corp is authorised & regulated by the Financial Conduct Authority. The FCA does not regulate most Buy to Let mortgages.