Can I Get a Mortgage After Being in Rent Arrears?

Rental arrears can raise their head many years later, especially if you're applying for a mortgage and have questions to answer about your credit score. Here we discuss rental arrears and the potential impact on your mortgage application.

About your mortgage

Error: Yearly income income must be between £1 and £10,000,000.

Error: Regular bonus must be between £1 and £10,000,000.

Based on your yearly income, you may be able to borrow:


Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.


Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.


Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

Can I Get a Mortgage After Being in Rent Arrears?

Many people end up in rent arrears from time to time - and might be concerned later on when looking for a mortgage whether it will impact their ability to borrow.

In this guide, the Revolution team has compiled everything you need to know about how your credit score impacts your mortgage application.

For tailored advice to get the mortgage lending you need, give us a call on 0330 304 3040, or email the team at

If I Have Been in Rent Arrears Will It Show on My Credit Report?

It might, yes, if your landlord sent the arrears report to the credit-referencingbureau.

Some letting agents and landlords are signed up to data sharing services such as The Rental Exchange Scheme, where situations such as falling behind with rent are recorded.

The scheme's idea is to help tenants improve their credit score by keeping up to date with rent.

How Does The Rental Exchange Scheme Work?

This scheme means that you pay rent to the Credit Ladder, instead of directly to your landlord. The payment is forwarded to the landlord, and the proof that you have paid on time is shared with Experian to update your credit file.

For rental tenants, this is a way to build up a credit score and can be useful in any future mortgage application.

Landlords often find that the scheme encourages tenants to pay on time.

How Does Paying My Rent Late Affect my Credit Report?

If you have fallen into rental arrears, this can leave a negative mark on your credit file. Lenders might be less likely to offer a mortgage if you have fallen into credit problems before.

A rental arrears report's impact is uncertain and is expected to be treated similarly to less serious credit problems such as late payments and defaults.

What Bad Credit Issues Show on my Credit File?

Any reported missed, or late payments will show on your credit history, including:

  • Low credit score, or no credit score
  • Late payments or mortgage arrears
  • Defaults
  • CCJs
  • DMPs and IVAs
  • Bankruptcy
  • Repossessions

Having adverse-credit doesn't mean you can't get a mortgage - but does mean your best chance of success is by using an experienced broker who can negotiate with specialist bad credit lenders on your behalf.

How Do Mortgage Payments Compare to Rental Costs?

If you are applying for a mortgage on a similar monthly cost as your rent, you will know whether you can afford to keep up with the repayments.

It is important to budget and ensure you can afford the borrowing you take out.

Do I Need a Higher Mortgage Deposit if I Have a History of Rental Arrears?

Possibly, yes. Lender deposit requirements increasewith any perceived risk - that includes your credit score and affordability calculations.

Most lenders require a 15% deposit, although you can get a UK mortgage with as little as a 10% or even 5% deposit.

What Mortgage Can I Get with Rental Arrears on my Credit Report?

The maximum you can borrow depends on what you earn, and most lenders will offer up to four times your annual salary.

Some lenders offer up to five times your income, or even up to six times, depending on the scenario.

Suppose you have a complex application with issues such as a variable income and credit issues. In that case, the best bet is to contact an independent broker who can recommend lenders who will consider your application.

Can a Good Rental History Help with a Non-Standard Property Mortgage?

Yes, if you have always paid rent on time and have a good credit report, there is a better likelihood that you will be offered competitive mortgage terms.

Non-standard properties tend to be more expensive to mortgage against since they are considered a higher risk, and include homes such as:

  • A listed building.
  • Flats in high rises.
  • Ex-council properties.
  • Homes that aren't currently habitable.
  • Unusual constructions.
  • Concrete properties.
  • Flats with balcony access.
  • Timber-framed homes.

Would Late Rental Payments Impact a BTL Investment Mortgage?

It's possible, yes - because if you have any bad credit issues, you are less likely to be approved for mortgage lending.

This will depend on the lender, their attitude to credit report assessments, and how much you're looking to borrow.

Can I Get a Retirement Mortgage with Rental Arrears?

Getting a mortgage in retirement, or approaching retirement, is always trickier than at a younger age. Having credit issues alongside that can complicate the matter further.

The good news is that some lenders cap mortgages at 75 or age 85, whereas others have no cap whatsoever.

For help finding later life mortgages, even where credit issues exist, give us a call on 0330 304 3040.

How Will Rental Arrears Impact My Second Home Mortgage Application?

Lenders tend to be stricter about second home mortgages since they need to know you can repay the loan, as well as the existing mortgage on your primary property.

Any affordability issues can be a deal-breaker, so it's essential to consult an expert broker before you make an application.

Expert Advice with Mortgages and Credit Issues

Business loan broker have years of experience negotiating competitive mortgage lending in any number of circumstances - including all manner of credit issues.

If you've been in rental arrears and are worried about getting the mortgage lending you need, or have been rejected elsewhere, give us a call on 0330 304 3040, or email the team at to organise a private chat.

Why Revolution Brokers?
  • Whole of market brokers

  • Mortgage that suits you

  • On time customer support

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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