Bad Credit Mortgages

Everyone deserves a second chance. At Lionsgate, we specialise in helping people with poor credit histories secure a mortgage. Whether you’ve faced financial challenges in the past or are currently working to rebuild your credit, our expert advisors are here to guide you through the process.

CCJ (County Court Judgment)

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.

• 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.

Defaults

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.

• 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.

Individual Voluntary Arrangement (IVA)

Having or completing an IVA can impact your credit, but it is still possible to get a mortgage. With access to lenders who understand financial rehabilitation, we can explore your options and help you move forward.

• 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.

Bankruptcy

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.

• 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.

Risk Warning

Your home may be repossessed if you do not keep up repayments on your mortgage.