Adverse Credit

Adverse credit (also called bad credit or impaired credit) refers to a history of missed payments, defaults, County Court Judgements (CCJs), Individual Voluntary Arrangements (IVAs) or bankruptcy.. Adverse credit does not necessarily prevent you from getting a mortgage — specialist lenders cater for a wide range of credit histories — but it typically means higher rates and lower LTVs. The severity, age and nature of the adverse credit all affect what is available.