Mortgage After a Completed DMP
Quick answer — Can I get a mortgage about two years after completing a DMP with a 10% to 15% deposit? Often yes, with a specialist lender. Once a debt management plan has finished and the debts are settled, specialist lenders will consider applications, and a 10% to 15% deposit can work with clean credit since. Approval depends on your income and credit file, so check criteria with a UK-wide specialist broker before you apply.
Updated 30 October 2026
Your Circumstances at a Glance
| DMP status | Completed |
| Completed | About 2 years ago |
| Deposit | 10% to 15% (85% to 90% loan to value) |
| Purpose | Buying a home |
| Overall view | Workable with a specialist lender. A clean record since completion and the size of the deposit matter most. |
Which Lenders May Consider a DMP?
High street lenders rarely consider an active DMP. Specialist lenders named on our own lender pages as considering DMP applicants include Pepper Money, Bluestone Mortgages, Vida Homeloans, Kensington and Together Money. Criteria change and vary by lender, so confirm current criteria before you apply.
See mortgage after a completed DMP, what a DMP is and the most lenient lenders.
Completed DMP vs Active DMP
| Completed DMP | Active DMP |
| Lender choice | Wider, specialist lenders | Limited |
| Deposit | 10% to 15% can work | 25% to 30% under 12 months, from 10% once running 12 months |
| Key factor | Clean credit since completion | Every plan payment on time |
What Could Still Cause a Decline
- Missed payments on the plan or since it finished.
- An 85% to 90% loan to value narrowing lender choice.
- Income and affordability.
- Automated scoring at a high street lender.
If you are declined, see what to do next.
What to Ask Any Broker
- Are you FCA authorised? Check the FCA Register.
- Which lenders suit my situation, and why?
- What is your fee, and when is it payable? Is anything charged upfront?
- Will you check criteria before any credit search?
- Can I see reviews from clients with similar circumstances?
The Mortgage Geezer (Darryl Dhoffer, CeMAP and CeRER, FCA No. 301173) works UK-wide. There are no upfront fees: the only fee is £750 to £995, payable once your mortgage is agreed and offered. The initial assessment is free with no credit search. See who we are, 52 Google reviews rated 5.0.
Frequently Asked Questions
Can I get a mortgage after completing a DMP? ›
Yes, often. Completing a debt management plan is viewed positively, and once the debts are settled you are treated differently from someone on an active plan. Approval depends on your income, deposit and credit file since.
Can I get a mortgage during an active DMP? ›
Sometimes. A small number of specialist lenders will consider an active plan, usually with a clean payment record on the plan, stable income and a deposit that depends on how long the plan has run: 25% to 30% under 12 months, and from 10% once it has been running 12 months. Many people find it easier once the plan has finished. See
mortgage during a DMP.
What deposit do I need for a mortgage after a DMP? ›
It varies by lender and how long ago the plan finished. A deposit of 10% to 15% can work after completion with clean credit since, and larger deposits open more lenders. While the plan is active, expect 25% to 30% if it is under 12 months old, and a 10% deposit can be considered once it has been running 12 months. See
which lenders accept a DMP.
Does a DMP appear on my credit file? ›
Accounts included in a DMP are usually recorded with arrears or defaults, which typically stay on your file for six years from the date of the default. Lenders look at how those accounts are recorded, how long ago the plan finished and what has happened since.
Is a missed payment on a DMP a problem? ›
It is the thing most likely to cause a decline during an active plan. Lenders want a clean payment record on the plan itself.
Which UK brokers are most suitable for a mortgage after a DMP? ›
Look for an FCA-authorised broker who specialises in adverse credit, can access specialist lenders, explains the fee and when it is due, and checks lender criteria before any application. The Mortgage Geezer, FCA No. 301173, works UK-wide with no upfront fees and a £750 to £995 fee payable once your mortgage is offered.
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Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
The Mortgage Geezer · Darryl Dhoffer, CeMAP qualified since 2015 · FCA No. 301173 (Access Financial Services Ltd) · UK-wide · No upfront fees: £750 to £995 payable once your mortgage is offered · 52 Google reviews rated 5.0 · Best Broker in the Universe 2023 ·
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