Emma — Adverse Credit Mortgage in Bristol
A composite adverse-credit case. Emma had been declined by two high-street lenders after minor credit blips during a stressful divorce. Specialist lenders assess these cases on their merits — the right lender said yes.
Case snapshot
- Month completed: April 2026
- Location: Bristol, England
- Loan amount: £165,000
- Loan-to-value: 85% LTV
- Income: £38,000 gross (PAYE)
- Difficulty: Two missed credit card payments during a divorce in 2024, plus a small CCJ (satisfied).
- Timeframe: 7 weeks first contact to completion.
The adviser approach
We placed the case with a specialist adverse-credit lender that accepts satisfied CCJs older than 12 months and views missed payments in context. We prepared a personal statement explaining the circumstances.
Outcome
Approved on a 3-year fixed rate at 85% LTV.
Anonymisation statement
This is an illustrative composite based on real adviser experience with cases of this type. Names, exact figures and identifying details have been changed or generalised so that no single client is identifiable. Lender criteria change frequently; your own outcome will depend on your circumstances.
Frequently Asked Questions
Is this a real client?
It is an illustrative composite based on real cases of this type handled by our advisers. No single identifiable client is depicted.
Could you help me with a similar case?
Yes — cases like this are exactly what our advisers handle every week. Contact us or call 0191 580 9890.
The Mortgage Genie Limited is an Appointed Representative of First Complete Limited, trading as Primis Mortgage Network, which is authorised and regulated by the Financial Conduct Authority. The Mortgage Genie FCA No 754691; First Complete (Primis) FCA No 435779.
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