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Adverse Credit

Having impaired credit can affect your ability to obtain a mortgage as there are fewer lenders that will consider lending to you, although there are specialist lenders for those with adverse credit. When you apply for a mortgage, lenders will use your credit history, assess your credit score and consider your income and employment status to determine your ability to make your monthly repayments. 

Lenders may differentiate on adverse credit depending on the type or severity, meaning that a missed phone bill is likely to be viewed very differently to bankruptcy. Having a mortgage offer declined could affect your credit score but we are here to help discuss your options and provide you with solutions that suit your circumstances

Being open and honest about your circumstances is crucial in gaining confidence with lenders. At Your Mortgage Room, we will assess your circumstances and look at a copy of your credit report to make a full recommendation to you with the view of moving forward with lenders who are open to working with clients with adverse credit.


Whether you currently hold a mortgage or not, adverse credit situations are not uncommon. It's essential to recognise that different lenders have varying opinions and criteria for assessing each case, considering factors including the size of your deposit or current equity (loan to value), your current affordability and your recent financial behaviour.

Our goal is to help you find a way forward, even if you've faced credit challenges in the past. If you have impaired credit, or you are not sure how this could impact you please email us at

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