Bad credit mortgage broker Shoreham-by-Sea
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Being refused a mortgage because of a CCJ, default, missed payments or another credit issue can make buying a property in Shoreham-by-Sea feel out of reach. But a high-street lender saying no does not mean every lender will.
Everest Mortgage Services helps applicants with adverse credit understand their realistic mortgage options. As a specialist mortgage broker serving Shoreham-by-Sea, we can assess the circumstances behind your credit history, your current finances and the property you want to buy before identifying lenders whose criteria may be suitable. Some specialist lenders use manual underwriting, allowing them to consider the wider circumstances rather than relying solely on an automated credit assessment.
This can be particularly important in Shoreham-by-Sea, where property prices and affordability need careful consideration alongside your credit history. Whether you are buying your first home, moving house or looking to remortgage, we can help you understand what may be possible and what you need to do to strengthen your application.
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Types of Bad Credit We Can Help With
Every credit history is different, and lenders assess each application on its individual circumstances. The type of adverse credit, when it occurred, how much was involved and whether the debt has been resolved can all affect the lenders available to you.
Defaults
A default occurs when you fail to meet a credit agreement. Lenders may consider its size, age and whether it has been satisfied. Older, smaller and satisfied defaults can be more acceptable to some specialist lenders. If you have a default on your credit file, our default mortgages page explains how lenders may assess your circumstances.
County Court Judgments (CCJs)
A CCJ is a court order requiring you to repay a debt. Lenders may consider factors such as when the CCJ was registered, its value and whether it has been satisfied. Some specialist lenders may consider more recent CCJs, depending on the wider application. You can also learn more about mortgages with CCJs if this applies to you.
Missed or late payments
A few missed payments on a credit card, loan or mobile phone contract do not necessarily prevent you from getting a mortgage. Lenders will look at the pattern and timing. A one-off missed payment is very different from persistent arrears across several accounts.
Individual Voluntary Arrangements (IVAs)
An IVA is a formal arrangement for repaying debts. Some lenders may consider applicants after an IVA has been completed, while others may consider certain applications during an active IVA. Your circumstances, deposit and current financial position will all matter. This is particularly relevant when considering IVA and bankruptcy mortgages.
Debt Management Plans (DMPs)
A DMP is an informal arrangement for repaying outstanding debts. Lenders may want evidence that payments have been maintained and that your overall financial position is improving. The availability of debt management mortgages will depend on your circumstances and the lender’s criteria.
Mortgage arrears
Previous or current mortgage arrears can make an application more difficult, but they do not automatically rule out borrowing. Specialist lenders may consider why the arrears occurred, how recent they are, the amount involved and whether the situation has been resolved.
Repossessions
A previous repossession is one of the more serious forms of adverse credit. However, some specialist lenders may consider applications after a period has passed, particularly where your current income, affordability and overall financial position are stronger.
Payday loans
A history of payday lending can be viewed negatively by some lenders, particularly where borrowing was recent or frequent. Other lenders may consider it where the borrowing is older and your current finances are stable.
Be completely open with your broker about every credit issue, even if you think it is minor. An undisclosed issue that appears during lender checks can complicate an application or affect an offer. Our role is to assess the full picture without judgement.
If your credit history includes several issues, the right lender may depend on the combination of problems rather than one issue in isolation. Everest Mortgage Services can assess your circumstances before approaching lenders, helping you understand which options may be appropriate without making unnecessary applications.
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Why People in Shoreham-by-Sea Need a Bad Credit Mortgage
A bad credit mortgage is rarely something people plan to need. More often, it follows a difficult period that has already happened. Take someone in Shoreham-by-Sea who missed several payments after their income dropped unexpectedly. The arrears may now be cleared, but the missed payments can still affect how mainstream lenders view their mortgage application.
Another example is a buyer who received a CCJ several years ago after struggling with unsecured debt. Their finances may now be stable, their income may be stronger and they may have built up a reasonable deposit. Yet a high-street lender can still decline the application because of the CCJ.
Then there are people who have been through an IVA, used a debt management plan or had mortgage arrears. Their circumstances may have changed considerably since then, but the credit history does not disappear overnight.
For Shoreham-by-Sea buyers, there is another issue: affordability. Property prices can make the numbers tighter, so a lender’s income and credit criteria matter just as much as the deposit. A rejection from one bank can therefore leave you wondering if the whole application is dead.
It isn’t necessarily. A specialist bad credit mortgage can give you access to lenders that assess adverse credit differently. The trade-off is that you may face a higher interest rate, need a larger deposit or have fewer mortgage products to choose from. The aim is not simply to find any lender willing to say yes. It is to find an option that fits your current finances and is sustainable.
Read our reviews
How Our Bad Credit Mortgage Service Works in Shoreham-by-Sea
A bad credit mortgage application needs more care than simply filling in a form and waiting for a lender’s decision. At Everest Mortgage Services, we handle the research, preparation and communication involved, so you know what is happening at each stage.
1. Tell Us Where You Stand
Start by talking to us about your plans and your credit history. Perhaps you have a settled CCJ, recent missed payments or an older default. You can explain what happened in your own words, and we’ll discuss what information we need to assess your position. There is no obligation to proceed.
2. We Review the Details
Once you decide to continue, we’ll gather the information needed to understand your application properly. This can include your income, regular expenditure, deposit, existing commitments and relevant credit history.
The details matter. Knowing when an adverse credit issue occurred, whether it has been settled and how your finances look today helps us assess which lender criteria may be realistic.
3. We Check Lender Criteria
This is where specialist mortgage advice becomes particularly important. We have access to a wide range of lenders, including those with criteria designed for applicants with adverse credit.
Rather than choosing a mortgage first and hoping you qualify, we compare your circumstances against the relevant lending criteria. We can then explain the options available, including rates, fees, deposit requirements and any restrictions that could affect you.
4. We Help You Choose the Right Route
Once the available options have been identified, we’ll talk you through them so you can make an informed decision. Where appropriate, we can arrange a Decision in Principle to give you a clearer indication of your borrowing position.
If you are buying in Shoreham-by-Sea, having a realistic idea of your budget before making an offer can save you from looking at properties that are unlikely to work financially.
5. We Submit and Manage the Application
When you have chosen an option and found the right property, we’ll prepare the mortgage application and submit it to the agreed lender.
From there, we stay involved. If the lender requests additional documents or asks questions about your credit history, we’ll explain what is needed and help keep the application moving. You won’t have to work out the lender’s requirements on your own.
6. We Stay with You Through Completion
A mortgage offer is an important milestone, but there is still work to do before completion. We’ll remain available to help you understand the offer and deal with any mortgage-related questions as the purchase progresses.
Once you complete, the process does not have to end there. When your circumstances change or your mortgage deal approaches its next review point, we can look at your options again.
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Our highly experienced advisers make the entire buying process painless by taking all the work off your hands.
Shoreham-by-Sea Property Market and Bad Credit Mortgages
The property you want to buy affects your bad credit mortgage options. So does the amount you need to borrow.
Current Shoreham-by-Sea Property Prices
Property type | Average sold price | Bad credit consideration |
Flats | £249,636 | Check lease and service charges |
Semi-detached | £499,497 | Affordability and deposit matter |
Detached | £665,390 | Higher borrowing may limit options |
(Rightmove, July 2026)
Property Types Matter
Flats are a significant part of the Shoreham market, including leasehold properties in and around the town centre and waterfront. Recent transactions include flats sold for £125,000 and £202,500, showing how much prices can vary within the same area. (Rightmove, July 2026)
For someone with adverse credit, a cheaper flat may make the borrowing more manageable. However, the mortgage assessment can also involve the lease length, service charge, ground rent and building arrangements.
The same applies to converted flats and period properties. The property’s construction, condition and legal setup can affect whether a lender is prepared to accept it.
Shoreham Beach is another distinct part of the local market. Rightmove records an average sold price of £516,565 over the last year, with flats averaging £261,779, semi-detached properties £599,375 and detached properties £866,409. Overall, sold prices were 8% higher than the previous year but remained 10% below the 2022 peak. (Rightmove, July 2026)
What This Means for Bad Credit Borrowers
A few typical illustrative scenarios show why the numbers matter:
- First-time buyer: A £250,000 flat with a £25,000 deposit requires a £225,000 mortgage. With adverse credit, the lender’s deposit and credit criteria both need to work.
- Family mover: A £450,000 house with a £50,000 deposit requires £400,000 borrowing. Affordability becomes particularly important if adverse credit has already restricted the lender pool.
- Remortgage: Someone with previous mortgage arrears may have substantial equity but still struggle to access mainstream rates because of their credit history.
- Self-employed buyer: A buyer with adverse credit may also need the lender to assess variable or self-employed income alongside the credit issues.
For Everest Mortgage Services, the question is therefore not simply whether you have adverse credit. We need to consider what you are buying, how much you need to borrow, your deposit, income and the specific credit problems involved before identifying suitable lenders.
● Local case study
Remortgaging a Shoreham-by-Sea Home After Previous Credit Problems
The Situation
The couple had lived in Shoreham-by-Sea for several years and wanted to remortgage their three-bedroom semi-detached home, which was valued at £425,000. They had an existing mortgage of £215,000 and wanted to raise a further £25,000 to consolidate credit card and personal loan debt. This would bring their total borrowing to £240,000.
The Problem
The couple had two previous CCJs totalling £4,200. Both were more than two years old and had been satisfied, but their existing lender was not offering a suitable remortgage option. They also wanted to avoid applying to several lenders without knowing whether their credit history would be accepted.
Why They Approached Everest Mortgage Services
They needed to understand whether their previous CCJs would prevent them from remortgaging and whether consolidating the unsecured debts into the mortgage was affordable.
Their aim was not simply to raise additional funds, but to find a mortgage that worked with their current financial position.
How We Helped
Everest Mortgage Services reviewed the couple’s credit history, income, existing mortgage, outstanding debts and property value. We assessed lenders that were prepared to consider the age and satisfied status of the CCJs and compared the available remortgage options. The proposed borrowing was also assessed against their income and affordability before an application was submitted.
The Outcome
A suitable specialist remortgage option was identified, allowing the couple to replace their existing mortgage and raise the additional £25,000 required for debt consolidation. Their previous CCJs were disclosed as part of the application and accepted by the lender.
This case study is for illustration only. Mortgage rates, lender criteria, property values, borrowing limits and outcomes vary according to individual circumstances and can change over time.
Talk to a Bad Credit Mortgage Broker in Shoreham-by-Sea
A previous CCJ, default or missed payment does not tell the whole story. What matters is how recent the issue was, whether it has been resolved, how your finances look today and which lenders are prepared to consider those circumstances.
If a high-street lender has already declined you, or you are worried about applying because of your credit history, a conversation with Everest Mortgage Services can help you understand your position before another application is made.
Book a free, no-obligation consultation to discuss your circumstances, borrowing plans and the property you are considering in Shoreham-by-Sea. We can review the factors likely to affect your application and explain what options may be worth exploring.
You do not need to have everything figured out before speaking to us. The initial discussion is simply about finding out where you stand and what could realistically work.
John Everest
Qualified Mortgage Adviser & Founder
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John is a CeMAP-qualified, whole-of-market mortgage adviser and Director of Everest Mortgage Services. With over 21 years in financial services, and a track record of 1,000+ mortgages arranged.
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FAQs
Frequently asked questions
Will I definitely be accepted for a bad credit mortgage in Shoreham-by-Sea?
No broker can guarantee mortgage approval. Acceptance depends on the lender’s criteria and your individual circumstances. We can review your credit history, income, deposit and affordability to give you a realistic view of the options available before an application is submitted.
Are bad credit mortgage rates higher?
They can be. Specialist lenders may charge higher rates than mainstream lenders because they are willing to consider more complex credit histories. The rate available to you will depend on factors such as the type and age of your adverse credit, deposit, income and overall affordability.
Can I get a mortgage after a CCJ or default?
Potentially, yes. Some specialist lenders consider applicants with CCJs, defaults and other adverse credit. What happened, when it happened, the amount involved and whether the debt has been satisfied can all affect the lender options available.
How much deposit will I need with adverse credit?
There is no single deposit requirement for every bad credit mortgage. Some applicants may qualify with a relatively small deposit, while others may need to put down more because of the severity or recency of their credit problems. A larger deposit can also reduce the loan-to-value and may open up more options.
Can I get a bad credit mortgage if I am self-employed?
Yes, being self-employed does not automatically prevent you from getting a mortgage with adverse credit. Lenders will assess how your income is evidenced alongside your credit history, affordability and other circumstances. The accounts and tax information required can vary between lenders.
Will applying for a bad credit mortgage affect my credit score?
An initial discussion with us does not automatically mean a full mortgage application or hard credit search. We can assess your circumstances and discuss suitable options before an application is made. Where a lender requires a credit search, we will explain this as part of the application process.
Can I remortgage with bad credit in Shoreham-by-Sea?
Yes, depending on your circumstances. A previous CCJ, default, missed payment or mortgage arrears may reduce the number of lenders available, but specialist lenders may still consider a remortgage. Your property value, existing mortgage, equity, income and current credit position will all be relevant.
How long can a bad credit mortgage take?
There is no fixed timescale. A straightforward application with complete documentation can move relatively quickly, while cases involving complex credit issues, additional underwriting or valuation questions can take longer. We will keep you informed as the application progresses.
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