04/06/2026
📅 Time can be one of the biggest factors in adverse credit mortgages 📅
Some people think a default, missed payment or CCJ automatically means they can't get a mortgage.
But often, one of the first things lenders look at is:
⏳ How long ago did it happen?
Something from a few years ago can be viewed very differently to something from the last few months.
Lenders may also consider:
📊 What happened since
💳 Whether the issue has been satisfied
🏡 Your overall situation today
It isn't always about what happened. Sometimes it's about when it happened.
If you've had credit issues and aren't sure where you stand, it's worth checking 👇
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Your property may be repossessed if you do not keep up repayments on your mortgage.