Yes — even with several marks on your file, there are still options.
If your credit file is looking a bit rough — with more than one default, CCJ, or a mix of both — you might assume mortgage lenders won’t want to know.
But that’s not always true. While it narrows your lender pool, there are options if you meet the right criteria.
💣 How Many Is Too Many?
There’s no hard limit — it’s about:
- How recent the defaults/CCJs are
- Whether they’re settled
- The value of each one
- Your current stability (job, income, deposit)
Some specialist lenders may consider 3, 4 or even 5+ defaults/CCJs — if they’re older and satisfied.
🧠 What Lenders Want to See
✅ Defaults and CCJs over 12–24 months old
✅ All issues are settled or on a plan
✅ No fresh bad credit since
✅ Stable income and a clean bank account
✅ A 15–30% deposit
💡 The more issues you have, the more you’ll need to balance it with a strong application.
📋 How to Strengthen Your Case
- Get your credit report from all 3 agencies
- Settle what you can — especially recent CCJs
- Avoid applying for any new credit
- Work with a broker who knows lenders that allow multiple adverse records
💬 Bad Credit Doesn’t Mean No Mortgage
Even with multiple defaults or CCJs, you’re not out of the running. It’s just about being realistic, prepared, and matched with a lender who sees past the numbers.
✅ Tailored advice for complex credit cases
✅ Access to flexible lenders
✅ Real feedback on what’s realistic