Published 29 August 2013 · Last reviewed 1 May 2026
It is harder to get a mortgage with defaults but we have solutions available.
If you are searching for mortgages with defaults then you are in the right place. If you have had defaults on credit then we can help you get a mortgage quickly and without fuss. If defaults show on your credit file the chances are you have already been applied for a mortgage through the traditional channels and been rejected, so we appreciate time is off the essence, if you fit the criteria below, we will be able to get a formal agreement in principle from the ‘mortgages with defaults lender’ within 24 hours. We will also tell you straight away if you are wasting your time.
The great news is from 1st September 2013 our range of default mortgage products will be open to first time buyers on identical terms as our next time buyer mortgages with defaults.
First time buyer Mortgages with defaults – As at 1st Sept 2013
| Registered | Amount | Defaults | Minimum deposit |
| In last 12 months | 2 defaults up to a combined total of £1500 | No | 15% |
| 13 to 24 months | 2 defaults of any amount | No | 15% |
| 25 months or more | Any number of defaults of | No | 15% |
Next time buyer Mortgages with defaults – As at 1st Sept 2013
| Registered | Amount | Defaults | Minimum deposit |
| In last 12 months | 2 defaults up to a combined total of £1500 | No | 15% |
| 13 to 24 months | 2 defaults of any amount | No | 15% |
| 25 months or more | Any number of defaults of | No | 15% |
OUR DEFAULT MORTGAGE PRICE GUARANTEE
At Niche Advice we guarantee not to charge a penny for our advice on mortgages with defaults until the mortgage has successfully been completed and the funds are released.
Also unlike some of our competitors we have fully fledged Independent Financial Advisers within the firm that have had to obtain much higher standards of qualifications than plain Mortgage Brokers so you know the advice on mortgages with defaults can be relied on, is given without bias and can be trusted.
Payam Azadi is a partner at Niche Advice Ltd who are Independent Financial and Mortgage Advisers in London.
