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Can I get a mortgage with a bad credit record


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For aproximately a year and a half, I have got my credit score from poor to fair. My score now is 733 which is the national average. However, I do have 1 default and 1 CCJ, which I am tackling at the moment.

I am so fedup with being refused a mortgage when my finacial position is good. This is the second time to be refused in the last two years.

I'm also wanting to obtain a mortgage throught the right to buy as I have been quoted an excellent figure from the councill, it will run out in the next two months. Further, I am so fedup with morgage advisors telling me to give it another 6 months, I do that and get knocked down cos its either because I'm self employed, my credit reports not good enough or its because its a first time mortgage. I will be a pensioner before I get a mortgage!!!!!!!!! LOL


Anyone know of a mortgage company?


Would really welcome some advice

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tbh it is difficult even for those with an excellent credit rating.


I thought NR were supposed to be lending - but i could not personally recommended them

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)


offer from A&L 24/8/07 - after case stayed


"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery




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