Don’t let a credit glitch stand in your way of securing a mortgage.

Not all of us have perfect credit histories all of the time, however, this fact doesn’t have to stop you from obtaining a mortgage.

It may surprise you to know that many mortgage providers adopt a realistic approach when it comes to lending to people who have experienced some form of financial difficulty. Ranges are offered that are specifically designed for those who have perhaps had arrears or a CCJ to help get them back on track. 


Kensington Mortgages is one such lender who welcomes applicants with a less than blemish-free credit history.  There are a couple of stipulations though. These include:

  • one secured arrears in the last 2 years (but not in the last 3 months)
  • one CCJ or default in the last 2 years (but not in the last 6 months)
  • unsecured arrears of no less than 6 months

Loans are being offered up to 85% LTV on 2, 3 and 5 year mortgages.

Rate highlights include 3.84% for up to 75% LTV for a fixed term of 2 years.

Kensington Mortgages is not alone when it comes to offering ranges such as the one above. It is very much a specialist market, though, and can’t be easily found from lenders on the high street.

Seeking advice from a mortgage professional is the best way to find an option for you that is both affordable and helps you re-establish a good credit record.

As a leading UK mortgage broker, Deal Direct is ideally placed to help you find a mortgage that:

  • is affordable
  • helps with re-establishing a consistent credit history

Even if your credit history doesn’t fit Kensington’s terms, we may be able to source another lender with criteria that fits your circumstances.

To find out more about the options available to you, chat with one of our advisors online now.

Alternatively speak with us directly on 0800 048 8828. 

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Article published: Friday, August 24, 2018
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