It’s really all about the level of “risk” you represent. There are undoubtedly some adverse credit events, such as a bankruptcy or CCJs, which will seriously affect your credit history; but there are still plenty of steps you can take to repair your credit score.
For example, you might have a CCJ on your record from four or five years ago. In that time, if you have used credit responsibly and made all your repayments on time, your credit score may be healthy once again.
However, because the CCJ will still appear on your credit report, you might not meet the strict lending criteria of a mainstream lender. Bad credit mortgage deals can sometimes be more expensive, due to the perceived additional risk the lender is taking on. Although with the right mortgage and finding the right lender we can still find you the right deal.