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Had credit issues in the past? You’re not alone and it doesn’t mean you can’t get a mortgage. At Option Finance, we specialise in helping clients with bad credit find flexible lenders and real solutions that work.
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At Option Finance, we believe that past credit shouldn’t define your future. That’s why we’re here to help more people unlock homeownership, combining smart financial solutions with real human understanding to guide you every step of the way.
Struggling with your credit history? You’re not alone and you’re not out of options. At Option Finance, we help people with complex credit situations, from missed payments to CCJs, IVAs, and even past bankruptcies. Where others see obstacles, we find solutions. Explore our expert guides to see how we turn ‘no’ into a way forward.
Getting a Mortgage After an Individual Voluntary Arrangement (IVA) Introduction to IVAs and Mortgage Implications Getting a mortgage after an Individual Voluntary Agreement (IVA) can be challenging, but it’s not impossible. An IVA is a legally binding agreement...
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At Option Finance, technology doesn’t replace the personal touch—it enhances it. We use smart tools to handle the admin, so our team can focus on what really counts: listening to your story, understanding your needs, and securing the mortgage that’s right for you. Real people. Real support. No shortcuts.
At Option Finance, we specialise in mortgages for complex credit scenarios. Our team works with all major bad credit lenders and has access to exclusive deals that aren’t available on the high street.
Understanding one’s credit report from a credit reference agency can help in securing a mortgage.
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Jonathan, 27 Jan 2025
Liam, 26 Nov 2024
George, 28 Aug 2024
Yes, you can. Not every lender will say yes, but many will especially the ones we work closely with. While some high-street banks are strict, there are plenty of specialist lenders who understand that life happens.
Depending on your situation, you may need a larger deposit (usually 15–20%) and you might pay slightly higher rates but securing a mortgage is absolutely possible.
Different lenders treat credit issues differently. Here’s how the most common ones are viewed:
Here’s how you can strengthen your mortgage application if you’ve had credit problems:
There’s no one-size-fits-all answer. Sometimes it’s smart to wait, rebuild, and apply later. Other times, waiting only delays your progress unnecessarily.
We’ll help you understand both sides and decide what’s right for you.
We work with many lenders who regularly approve applicants with credit issues. Here are just a few:
Important: Each lender has other criteria around income, deposit, and affordability. Our mortgage experts will make sure you meet all of them before applying.
If bad credit is holding you back, we’re here to change that. At Option Finance, we don’t judge we solve.
Book a free call with one of our advisors today. We’ll review your situation and show you what’s possible no pressure, no obligation, just real solutions.
