03/09/2026
This is one of the biggest misconceptions we hear.
We've recently spoken with people who assumed past credit issues meant homeownership was no longer possible.
Depending on individual circumstances, some lenders may consider applicants with:
• Missed payments
• Defaults
• CCJs
• Historic credit issues
What often matters is:
• How recent the issue was
• Your current financial position
• Deposit available
• Overall affordability
Every lender has different criteria.
The important thing is understanding what options may be available before ruling yourself out.
Have you checked recently?
DM us "CREDIT" to speak with our mortgage specialists today or share with someone you think needs to see this.
Your home may be repossessed if you do not keep up with your mortgage repayments.
Auxilia Financial Services Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority
Approved by the Openwork Partnership on 21/08/2026