Can I Get a Mortgage if I Have a Criminal Record?
Millions of people have a criminal record and worry that they won't find a mortgage due to having a history of convictions.
In this guide, the Revolution Brokers team explains how criminal records impact your mortgage application and what you can do if you're concerned about being eligible for a home loan.
For more information with a mortgage application alongside a criminal record, give us a call on 0330 304 3040, or drop a message to [email protected].
How Does Having a Criminal Record Impact My Mortgage Application?
In short, it depends on whether the conviction has since been spent. Serious convictions with jail time can be more challenging than a minor offence.
Spent convictions are effectively ignored in most cases. This happens after a set period, depending on the offence and the sentence given.
For example, if you had a fine for a driving offence, this might become spent after one year. A prison term of three years would be spent after seven years, over and above the sentence.
Some lenders are happy to lend to applicants with a record. In contrast, others have strict lending rules, so it's essential to apply through an experienced broker who can ensure you apply to the right mortgage provider.
Many people come to us confused about whether their conviction is spent or unspent. This factor is essential because this affects whether they have to disclose their conviction legally or not.
2023-05-09 
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