Struggling to get a mortgage due to poor credit? Tickford Mortgage Solutions helps clients in Newport Pagnell and Milton Keynes secure mortgages with CCJs, defaults, or low credit scores. 

If you’re struggling to get a mortgage because of a poor credit history, you’re far from alone — and more importantly, you’re not out of options. At Tickford Mortgages, we help clients across Newport Pagnell, Milton Keynes, and the rest of the UK secure mortgage solutions even after credit setbacks.

Whether you’ve missed payments, have defaults, or your credit score has taken a hit for other reasons, we’ll help you explore what’s possible — and in many cases, we’ve helped people buy a home even after they were turned down elsewhere.

Bad credit can happen for many reasons — from unexpected life events to past financial difficulties — but it doesn’t mean homeownership is off the table. We regularly support clients with:

• 📉 Missed or late credit payments on loans, credit cards, or bills
   
• ⚖️ County Court Judgements (CCJs), whether recent or older
   
• 📝 Defaults or debt management plans
   
• 🔄 Discharged bankruptcies or IVAs
   
• 📊 Low credit scores caused by limited credit history or short credit profiles
   

Even if mainstream lenders have said "no", specialist lenders often take a more flexible approach. Our job is to connect you with the right one.

We don’t just look at your credit report — we look at your full financial story. Our approach is designed to give you the best possible chance of approval.

Here’s how we work:

• 🧭 Understanding Your Situation
  We take the time to understand why your credit score is where it is, and what’s changed since then. Many lenders will consider applicants more favourably once they see the full context.
   
• 🏦 Access to Specialist Lenders
  We work with a broad panel of lenders — including those who specialise in adverse credit mortgages — many of whom are not available directly to the public.
   
• 🗂️ Clear, Realistic Advice
  We’ll be honest from the start about what’s achievable now and, if necessary, what steps you can take to improve your chances before applying.
   
• 🔁 Step-by-Step Support
  From your initial consultation and Agreement in Principle through to full mortgage offer and completion, we’ll guide you through every stage of the process.
   

Depending on your circumstances, we may be able to secure a mortgage even if:

• You have recent missed payments or arrears
   
• You’re on a debt management plan
   
• Your CCJs or defaults are less than 3 years old
   
• You’ve had a bankruptcy or IVA discharged within the last few years
   

We’ll also explain how factors like deposit size, loan-to-value (LTV), and time since the credit event can affect your eligibility — and help you plan accordingly.

Being based in Newport Pagnell, we understand the property landscape across Milton Keynes, Broughton, Olney, Brooklands, and beyond. We know which lenders are most flexible, which products are worth exploring, and how to present your application in the best possible light.

Even if you’ve been declined before, it’s worth speaking to us — a rejection from one lender doesn’t mean others won’t consider you.

Here are a few steps you can take before applying to boost your chances:

• ✅ Check your credit report for any errors and dispute them if necessary
   
• ✅ Keep up to date with all current credit repayments
   
• ✅ Try to reduce outstanding unsecured debts where possible
   
• ✅ Save a larger deposit — this can open doors to more competitive deals
   
• ✅ Avoid applying to multiple lenders directly (this can harm your score)
   

Having bad credit doesn’t mean you have to give up on homeownership. With the right advice, the right lender, and a carefully prepared application, you may be much closer to a mortgage than you think.

At Tickford Mortgages, we’re here to help you rebuild and move forward with confidence.

📍 Supporting clients with adverse credit across Newport Pagnell, Milton Keynes, Wolverton, Stony Stratford, Broughton, Olney, and beyond.
 

Contact us today to arrange a free, no-obligation consultation. We’ll review your credit profile, explain your options clearly, and help you put a plan in place — whether you’re ready to apply now or in the near future.

Your home may be repossessed if you do not keep up repayments on your mortgage.