Adverse Expertise

See what we do best!

AALTO Mortgages have always been experts in complex cases. Thats not to say we dont handle the straightforward mortgages out there, of course we and we hope that as you progress it all gets much easier! Below are a few examples of the types of innovative, complex or unusual solutions we provide. We detail the options available, the lenders that we work with and link to case studies that give you real world examples of how we have solved even the toughest situations for our clients.

If you have any sort of adverse credit, from bankrupcy to missed payments, then this is the guide for you.

If it sounds like we fit the bill, and the solutions below might work for you, then dont hesitate to get in touch. Call 0207 183 1101 or make an enquiry here


Bankrupcy can make getting a mortgage very difficult, but there are options out there.

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County Court Judgements

CCJ’s are taken seriously by lenders, but depending on circumstances there are lenders who will ignore them.

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Debt Management Plans

A Debt Management Plan is an agreement between you and your creditors to pay all of your debts.

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Debt Relief Orders

A debt relief order (DRO) is a way to have your debts written off if you have a relatively low level of debt and have few assets.

Defaults – Satisfied

Defaults are where arrears exceed 3 months. If satisfied, then its more likely lenders will consider an application.

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Defaults – Unsatisfied

Where defaults are still outstanding lending can be harder to source, but it depends on the date and amount.

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High Debt to Income Ratio’s

Where the level of unsecured debt is high in relation to the income, lenders can be wary. We can help you navigate that however.

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An individual voluntary arrangement (IVA) is a formal agreement between you and your creditors that can help you repay your debts at an affordable amount.

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Late Payments

If you have never defaulted on debts, but have fallen behind, lenders will consider applications depending on the overall credit behaviour.

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Mortgage Arrears

It can be hard to place mortgages for those who have arrears on previous mortgages, but time is a major factor.

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Having a previous property reposession can be very limiting when it comes to new mortgage applications.

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Utilities Arrears

Lenders dont always look at arrears in utilities in the same way as they do credit commitments.

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