Adverse Credit Mortgages

If financial difficulties have left you with a “colourful” credit history—whether it’s due to defaults, CCJs, or late/missed payments—don’t worry! While high street lenders might say no, there’s still hope. Adverse credit mortgages (also known as sub-prime mortgages) are designed for people like you, offering a way to secure a mortgage even with past credit issues.

These mortgages work similarly to standard ones but often come with higher interest rates and charges. They’re an important step for many people in rebuilding their financial future and achieving homeownership.

We May Be Able to Help If You Have:

Unsatisfied or satisfied defaults

Unsatisfied or satisfied CCJs (County Court Judgments)

Missed credit card, loan, or mortgage payments

A debt management plan

Whatever your situation, we’re here to explore your options and find a solution that works for you.

Why Choose Mustard Mortgages for Your Adverse Credit Mortgage?

At Mustard Mortgages, we specialise in helping clients with adverse credit histories take the next step toward homeownership. Here’s what sets us apart:

Specialist Lender Access: We work with a wide range of lenders who understand and consider applications from those with poor credit.

Tailored Support: Whether you’re a first-time buyer, home mover, or property investor, we’ll find the right mortgage deal to suit your unique needs.

Whole-of-Market Expertise: With access to the entire market, we’ll help you find the best options available.

Guidance Every Step of the Way: If no deals are available right now, our experienced advisers will provide practical advice to improve your chances in the future.

Take the Next Step with Confidence
Your past doesn’t have to hold you back! Contact our specialist team today and let us help you navigate the mortgage process, no matter your credit history. Together, we’ll explore your options and get you closer to owning your dream home.