Overview
CCJs, defaults, missed payments, or a thin credit file don't automatically rule you out — but they do rule out some lenders. What matters most is how recent and how severe the issue is, and knowing which lenders are set up to look past it rather than decline automatically.
CCJs & Defaults
Recency and severity matter far more than whether one exists at all — a satisfied CCJ from years ago is a very different case to one registered last month
Missed Payments & Arrears
Lenders who assess the full picture rather than an automated credit score cut-off
Debt Management Plans & Previous Insolvency
Specialist lenders who will consider applications once a plan is settled or discharged
Thin or Limited Credit File
For borrowers with little UK credit history — recently arrived, or simply never borrowed much before
Why Choose Domus Finance?
Manual Underwriting
Access to lenders who assess your actual history, not just a credit score threshold
No Wasted Applications
We know which lenders will say yes before you apply, protecting your credit file from unnecessary searches
Whole of Market
Access to specialist lenders and products unavailable directly
Whole of Market Access
We search thousands of mortgage products to find the best rates and terms for you.
FCA Regulated
Fully authorized and regulated by the Financial Conduct Authority.
The Mortgage Process
Initial Consultation
We'll discuss your needs, circumstances, and financial goals to understand what you're looking for.
Research & Comparison
We'll search the entire market to find the best mortgage products that match your requirements.
Application Submission
Once you're happy with our recommendation, we'll handle the application process on your behalf.
Completion
We'll keep you updated throughout and celebrate with you when your mortgage completes.
Ready to Get Started?
Speak with one of our mortgage experts today for a free, no-obligation consultation.