Award-Winning Bad Credit Specialist · FCA No. 301173

Mortgage After Repossession UK Starting Again Is Possible

✍️ Author: Darryl Dhoffer, CeMAP · CeRER · FCA 301173·📅 Updated 18 August 2026

The short answer

Can you get a mortgage after repossession? Yes, though it is one of the longer roads back — most specialist lenders want 3–6 years since the repossession before they will consider you, with deposit requirements starting around 25–30% and falling as more time passes. It stays on your credit file for six years from the date it was registered.

The fastest published route

Aldermore's Levels 2–5 will consider an application from 3 years after repossession — the shortest published waiting period in the specialist market. Near-prime lenders typically want 6 years, which is effectively the same point it drops off your credit file. That 3-year gap is genuinely significant if you qualify for it.

Darryl Dhoffer

CeMAP · CeRER · FCA 301173 · ⭐ 52 Reviews

"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."

A previous property repossession is one of the most serious forms of adverse credit but it does not permanently prevent homeownership. Darryl Dhoffer has helped clients get mortgages after repossession.

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Mortgages After Repossession — The Truth

Quick answer — Can I get a mortgage after a repossession? Yes but it is one of the most challenging types of adverse credit to overcome. The key factors are how long ago the repossession occurred whether any outstanding balance was settled after the property was sold your income and financial stability since and the deposit available. Specialist lenders will consider post-repossession applications typically requiring 2-3 years since the repossession and a significant deposit.

A property repossession occurs when a lender takes back a property because the borrower has failed to keep up with mortgage repayments. It is one of the most severe adverse credit events but it is not a permanent bar to homeownership.

Specialist lenders will consider mortgage applications from people with previous repossessions particularly when sufficient time has passed and the applicant financial situation has stabilised.

Darryl Dhoffer — The Mortgage Geezer

20+ years in mortgages. Award-winning specialist. Featured in the Daily Express, FT Adviser, The Intermediary and Daily Mirror. I have helped hundreds of people across the UK who were told no by their bank — and I work with 65+ lenders including specialist adverse credit lenders you will not find on comparison sites.

When you contact me, you speak to me directly. No call centres. No being passed around. I personally review every case and respond within 2 hours.

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Frequently Asked Questions

Can I get a mortgage after a repossession? ›

Yes but it is one of the most challenging types of adverse credit to overcome. The key factors are how long ago the repossession occurred whether any outstanding balance was settled after the property was sold your income and financial stability since and the deposit available. Specialist lenders will consider post-repossession applications typically requiring 2-3 years since the repossession and a significant deposit.

How long after a repossession can I get a mortgage? ›

Repossession appears on your credit file for 6 years and is typically visible to mortgage lenders throughout this period. Some specialist lenders will consider applications 2-3 years after repossession with the right deposit and income. Others require longer. The better your financial record since the repossession the more options are available.

How much deposit do I need after a repossession? ›

Most specialist lenders require 25-35% deposit for post-repossession applications. The exact amount depends on how long ago the repossession occurred whether there is an outstanding shortfall and the rest of your financial picture. Darryl will advise on exactly what deposit is needed for your specific situation and timeline.

Do I need to have repaid the mortgage shortfall? ›

If your repossessed property was sold for less than the outstanding mortgage creating a shortfall this debt remains owing to the lender and may appear as a default or CCJ on your credit file. Having the shortfall settled or on a repayment plan improves your mortgage options. Darryl will advise on how outstanding shortfalls affect your application and the best approach to resolving them.

Will a repossession from my ex-partner affect my application? ›

If you were jointly named on the repossessed mortgage it will appear on your credit file. If the repossession was solely in your ex-partner name and you had no financial connection to it it should not appear on your file. Darryl will review your credit file and clarify exactly how the repossession is recorded and how lenders will assess it.

Related Guides

→ Mortgage After Voluntary Repossession

→ How long after repossession can I get a mortgage?

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