Yes — many people secure mortgages after a DMP, especially if it’s been settled. The key is your timing, current credit behaviour, and working with a lender who understands your history.
📅 Still in a DMP vs. Settled DMP
- Still in a DMP? Fewer options, but not impossible — specialist lenders may consider you with a solid deposit.
- Settled DMP? You’re in a much stronger position, especially if you’ve had 12+ months of clean credit history.
📈 How to Improve Your Chances
- Show consistent repayments since the DMP
- Avoid any new adverse credit
- Save at least a 15–25% deposit
- Use a broker who can access niche lenders
- Keep your credit files updated and accurate
🧠 What Will Lenders Want to Know?
- When the DMP was started and settled
- Who managed the plan (StepChange, PayPlan, etc.)
- Whether you’ve maintained stable finances since
💬 Had a DMP? Let’s Find Your Mortgage Match
Having been in a DMP doesn’t rule you out. With the right help, you could still get on the property ladder or remortgage successfully.
✅ Specialist advice for post-DMP applicants
✅ Honest lenders who understand financial recovery
✅ No-judgement help from a mortgage pro