Home › Mortgage with Missed Mortgage Payments — Remortgage Options 2026
Mortgage with Missed Mortgage Payments
The short answer
What happens if you miss a mortgage payment? One missed payment triggers a late-payment marker on your credit file and usually a letter from your lender. Formal arrears begin once you are the equivalent of two monthly payments behind. Lenders are required to treat you fairly and consider options such as a payment arrangement, term extension or temporary interest-only. Repossession is a last resort and takes months, not weeks — speaking to your lender early is the single most important step.
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 48 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
Secured vs unsecured arrears — lenders treat them differently
Unsecured arrears — missed payments on a credit card, loan or utility bill — affect your credit score but aren't treated with the same weight as arrears on something secured against your home. Secured arrears — on an existing mortgage or second charge — are scrutinised far more closely, since a lender is directly assessing how you've managed the exact type of commitment you're now asking them for. If your missed payments were unsecured, that's a genuinely easier case to place than the same pattern on a mortgage or secured loan.
Missed mortgage payments are the most serious adverse credit event for lenders — but they don't automatically prevent remortgaging. Equity and time since arrears are the key variables.
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Why Missed Mortgage Payments Are Treated So Seriously
A lender considering giving you a new mortgage wants confidence you will repay it. If you have previously missed payments on a mortgage — their primary security — they see this as the strongest possible risk signal. This is why missed mortgage payments are treated more seriously than CCJs, defaults or even IVAs by most lenders.
What Makes the Difference
Time since the missed payments is critical. Payments missed over 2 years ago with clean mortgage payments since are much more manageable than recent arrears. Equity is the second key factor — at 40%+ LTV, the lender's security is strong even with some payment history concerns. Darryl identifies which specialist lenders have the most favourable criteria for your specific arrears history.
About Darryl Dhoffer
CeMAP and CeRER qualified independent mortgage broker. FCA regulated — No. 301173. Based in Bedford, serving clients across the UK since 2015. Specialises in adverse credit, complex income and specialist mortgage cases. Every client works directly with Darryl — no handoffs, no call centres.
My mortgage payments were missed during a period of illness. Does this affect my options?
Context does matter in manual underwriting. A period of missed payments during a documented illness, with clean payments restored since, is assessed differently to a pattern of financial difficulty. Darryl presents the circumstances clearly to the underwriter.
Can I get a new purchase mortgage if I have historical mortgage arrears?
For a new purchase, most specialist lenders require mortgage arrears to be at least 12-24 months old and fully resolved. With a 20%+ deposit and arrears over 12 months old, Darryl can identify suitable specialist lenders.
What is the minimum time since mortgage arrears to remortgage?
There is no fixed minimum but practically speaking, arrears within the last 12 months limit options severely. Arrears over 2 years old with clean payments since give significantly more lender options. Darryl assesses the specific timing and advises on the best approach.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT. This page is for 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.
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