Let us help you repair your credit

Your low credit score could be due to several factors, such as:

  • high credit utilisation / high levels of debt
  • lack of address history

It may also be due to adverse credit events;

Missed payments

Unfortunately, missed payments can negatively affect your credit score as it suggests to lenders that you may struggle to meet your mortgage payments. Fortunately, there are plenty of lenders both mainstream and non-mainstream who will still consider applicants who have missed payments. 


If a series of payments have been missed on a credit commitment and they have not been repaid or brought up to date, the account will go into default.

A default will remain on your credit profile for 6 years whether it’s satisfied or not. If you do have a default on your credit report, then it doesn’t mean that you can’t obtain a mortgage necessarily.

County court judgement (CCJ)

When a creditor has been unsuccessful in obtaining payments for a significant period, they may issue a county court claim.

If you fail to pay off your debt after the court date, a county court judgement will be registered against you. Although lenders aren’t keen on CCJ’s, they do still allow applicants who have had or currently have CCJ’s.

Bankruptcy / IVE / Debt management

Struggling to keep up with your commitments? You may have entered into an IVA or debt management plan to help manage monthly payments at an affordable amount.

If it is no longer possible for you to repay your debts, following an insolvency application, you will be declared bankrupt by the courts. Although you may not be able to apply for a mortgage straight away, our advisers will be able to guide you on what steps you need to take to allow you to obtain a mortgage in the future.

How we can help

Even if you have a poor credit score, there are lenders out there who can help. Our advisers are well trained in this area and will be able to guide you every step of the way from reviewing your credit report to finding you the right lender and eventually proceeding with an application.

We promise to be with you every step of the way, to help you feel confident in what you are doing and achieve your goal.

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

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is £495 depending on your circumstances.

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    Facing credit issues? Don’t worry you are not alone.

    Lendese have access to thousands of mortgage deals, including many exclusive deals not available elsewhere, along with specialist lenders who can assist with unique situations.


    We have lenders who will accept bankruptcy after various periods of time. They will always factor in your overall credit history too. We would therefore recommend an appointment with one of our advisers to discuss the options available to you.

    Yes. There are many lenders in the market who will consider applicants who have previously had a DMP or remain in a DMP as long as they have been conducted in a satisfactory manor.

    Although missed payments will always affect your credit score, there is no set time for when you can apply for a mortgage following a missed payment. Some lenders will consider lending in the same month as a missed payment.

    It is not essential that you are on the electoral roll however being on the Electoral Roll at your current & previous addresses is an important factor in having and maintaining a healthy credit score which is ultimately one of the main thing’s lenders consider.

    Repaying arrears or adverse accounts will always help you rebuild your credit score and show lenders that you have willing however it is not always essential. The best thing you can do is sit with one of our advisers, let them assess your current circumstances and guide you on what needs to be done to get you to a point where you’re ready to apply for your mortgage.

    The first thing you should do is to look to obtain your credit report. Once you have, make an appointment with an adviser who will be able to guide you through what the credit report means and advise you on your next steps.

    Get Protected

    For added peace of mind

    Always protect your mortgage!

    The aim of a protection policy is to ensure that should the worst happen, you or your family can remain in your home whether that be as a result of the mortgage being repaid or assistance with the monthly mortgage payments.

    There are plenty of different policies which can ensure this so click the link below to find out more.

    Find out more about mortgage protection