Prepare the file
Mortgage with defaults
A default is a reported fact. The amount, the date and whether it is satisfied are what a broker will ask for. This page does not turn them into a probability.
What this page will not do
- Satisfied does not mean a lender will ignore it.
- Several small defaults are not 'the same as' one CCJ. List both if both exist.
- It will not name a lender, a product, or an approval chance.
Questions
- How long after a default can I apply?
- There is no single period this site can quote. A broker applies a lender's own criteria.
- Should I pay it off before the appointment?
- That is a money decision, not something this page can instruct. Ask the broker what evidence they would want either way.
MortgageConnector provides free mortgage research and calculators. If you want personalised advice, we can introduce you to an FCA-authorised mortgage broker. We do not provide regulated mortgage advice ourselves.
The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Want a broker to look at your own numbers?
An FCA-authorised broker can look at your income, credit and the property. MortgageConnector will introduce you. We do not recommend a mortgage.
Match me with a broker experienced in adverse credit