Credit Recovery Timeline
Enter your adverse credit event to see when each tier of lender will consider your mortgage application.
Your adverse credit event
Select an event type and date above to see your timeline
Understanding lender tiers
Specialist lenders
Pepper Money, Kensington, Together, Bluestone
Specialist lenders focus on borrowers with complex credit histories. They assess each case individually and can often lend within 1–2 years of a resolved adverse event. Rates are higher to reflect the increased risk.
Near-prime lenders
Precise Mortgages, Aldermore, Kent Reliance
Near-prime (or adverse credit) lenders sit between specialist and mainstream. They have more restrictive criteria than specialists but offer better rates. Typically accessible 2–3 years after a resolved event.
Mainstream lenders
High-street banks, building societies
Most mainstream lenders require a fully clean credit profile or for adverse events to have dropped off entirely. For serious events like bankruptcy or IVA, this typically means waiting the full 6 years.
See your full mortgage options
Your credit events have timelines — see which lenders will consider you now.
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