Can I Get a Mortgage with Mortgage Arrears?

The answer to this will largely depend on your lender. Some lenders are stricter than others… 


So, in effect, the answer is ‘yes’ you could get a mortgage. Another factor that can come into play is, how many missed payments you have and how old they are. If you have 1 or 2 missed payments, then this is unlikely to cause too many concerns. If you have missed more than this or if you consistently have arrears on your account, then lenders are unlikely to want you to borrow their money.


To find out more, take a look at our Mortgage and Rent Debt page.

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