Before applying for a mortgage it is a good idea to understand what has been reported to credit reference agencies about you. If you find you have had some adverse credit, such as missed payments, a CCJ or defaults, you may still be able to find a mortgage lender. Whilst most high street lenders will shy away from this lending, there are specialist lenders available that will look to help. It is important that you understand what is on your credit file and who will be prepared to lend before applying for a mortgage, this is where a whole of market adviser can really help. Talk to one of our advisers to find the most suitable lender for you.