06/08/2026
Life happens, and sometimes your credit score takes a hit. Whether it was a missed bill, a forgotten subscription or just having a 'thin' credit file, an imperfect score shouldn't mean your homeownership dreams are automatically over 🏠✨
That’s where Near Prime mortgages come in. They are designed specifically for people who are financially responsible and ready to handle a mortgage, but don't quite fit the rigid criteria of many traditional high-street lenders.
And if you’re trying to buy your very first home, you don't need a massive deposit to get started. With options available up to 95% LTV, first-time buyers can get onto the property ladder with just a 5% deposit, even with a credit blip in your past 🔑
Wondering if a Near Prime mortgage could be the right path for you? Read our simple guide to find out if you’re eligible:
Not sure if a Near Prime mortgage is right for you? Find out if one of these products could help by reading our blog exploring eligibility. Read more.