Yes — but it limits your lender options, so you’ll need a strategic approach.
An ‘Arrangement to Pay’ (ATP) on your credit file can raise red flags for mortgage lenders. It suggests you’ve struggled to meet agreed payments in the past — and needed to temporarily reduce them.
But being in an arrangement doesn’t mean a mortgage is off the table. Here’s what lenders look at and how you can boost your chances.
🔍 What Is an Arrangement to Pay?
An ATP is a temporary agreement with a lender to pay less than the original monthly payment — usually due to financial hardship.
It stays on your credit report for 6 years, even if paid in full, and can affect your credit score.
🏠 Can You Get a Mortgage While in an ATP?
Some lenders will not lend while you’re in an active arrangement. But a few specialist lenders may consider your application if:
- You’ve been making consistent payments
- You’ve had no recent defaults or missed payments
- You have a solid deposit (usually 20%+)
📅 What About After the Arrangement Ends?
✅ You’re in a stronger position once the ATP is settled
✅ If more than 12–24 months have passed since it ended, more lenders may consider you
✅ If it’s still showing as “active,” options are limited — but not impossible
📋 How to Improve Your Application
- Settle or clear the arrangement where possible
- Keep all other accounts fully up to date
- Save a larger deposit (the more, the better)
- Use a broker to access non-high street lenders
💬 Honest Advice if You’re in an Arrangement to Pay
Some brokers avoid cases like these — but I specialise in helping people with complex credit get results. If you’re in (or coming out of) an arrangement, I’ll help you work out what’s possible.
✅ Lender-matching for ATPs
✅ Full review of your credit and income
✅ Realistic plan and next steps