Mortgages With Missed Payments: Get Approved Today

A missed payment is recorded when you don’t make at least the minimum payment on a credit agreement by its due date — on a credit card, loan, car finance, overdraft or even a previous mortgage. Lenders typically log these as one, two, or three-plus months late.

Missed payments are far less severe than defaults, CCJs or bankruptcy, and specialist lenders understand that life sometimes gets in the way of a direct debit. What they care about is the pattern: how many there were, how recent, and what type of credit was affected — and, most importantly, whether you’ve kept a clean record since.

High-street banks often decline automatically the moment their system flags a recent missed payment, without a human ever reviewing the file. Specialist lenders use manual underwriting instead, which is where a genuinely different outcome becomes possible.