We’re currently working on our BTL calculator in light of our recent criteria changes. We hope to have this back up and running soon but if you need any help in the meantime, please contact your BDM or the Helpdesk on 0330 123 1073.

Accidential default or missed payments

Written by Ipswich Building Society

11 Jan 2019


CCJ, Credit score, Defaults, Poor credit history

1 min read

We don’t penalise applicants who have made a few minor financial mistakes. For example, we can consider cases where the applicant has had a Default or CCJ registered against them in the past, as long as this has since been satisfied.

We can also consider cases where the applicant has historic missed or late payments, though this will be carefully assessed on a case by case basis.

Through our manual underwriting we’re able to look at your client’s personal circumstances, present and past, and come to an informed decision on their suitability for a mortgage.

For more information please see our lending criteria or give us a call on 0330 123 1073.

This article was published under our previous name of Ipswich Building Society. We changed our name in 2021 – get in touch if you have any questions.

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