Mortgage with Missed Payments Belfast
Last Updated: 3rd Febuary 2026
A mortgage with missed payments is still achievable, even if your credit history is not perfect. Many people experience missed or late payments at some point due to changes in income, unexpected expenses, or temporary financial difficulty. While lenders do take missed payments into account, they do not automatically rule out mortgage approval.
At AIMS NI, we specialise in helping clients across Northern Ireland. As an independent, whole-of-market mortgage broker, we understand how lenders assess this and can guide you towards realistic options based on your current financial position.
How Missed Payments Affect Mortgage Applications
Missed payments appear on your credit file and signal to lenders that a payment was not made on time. Mortgage lenders look at missed payments to assess how reliably an applicant manages credit commitments.
When reviewing a mortgage application, lenders consider how recent the payments were, how often they occurred, and which types of credit were affected. A single missed payment from several years ago is generally viewed very differently from multiple payments missed within the last few months. Lenders are particularly focused on recent behaviour, as this provides the clearest picture of your current affordability and financial stability.
AIMS NI reviews your credit history in detail and explains how missed payments may be viewed by different lenders.
Can You Get a Mortgage After Missed Payments?
Yes, it is possible to get a mortgage when you have missed payments, but approval depends on several factors. Lenders will assess the number of missed payments, how recently they occurred, and whether there is a pattern of late payments or a one-off issue.
Your income, affordability, deposit size, and overall credit profile will also play an important role. Some high-street lenders have strict limits on missed payments, particularly if they are recent, while specialist lenders may be more flexible and assess applications on a case-by-case basis. AIMS NI works with both mainstream and specialist lenders to find suitable options.
How Recent Missed Payments Impact Your Mortgage Options
The timing of missed payments has a significant impact on mortgage availability. Missed payments within the last three to six months tend to limit options, as lenders may view this as an ongoing issue. Missed payments within the last 12 months can still affect approval, but options often improve where finances have stabilised.
Older missed payments, particularly those more than 12 to 24 months ago, are generally less concerning, especially if recent credit conduct has been clean. Demonstrating consistent, on-time payments since the issue occurred can greatly improve your chances of securing a mortgage.
Types of Missed Payments Lenders Consider
Not all missed payments are viewed in the same way. Mortgage lenders usually consider missed payments on mortgages and secured loans more seriously than missed payments on unsecured credit. Credit card and loan missed payments are assessed alongside overall debt levels, while missed utility or mobile phone payments may carry less weight, depending on the lender.
The context surrounding the payment is also important. AIMS NI helps present your circumstances clearly to lenders, ensuring the payments are assessed fairly and accurately.
How to Improve Your Chances of a Mortgage with Missed Payments
Improving your position before applying for this type of mortgage can make a meaningful difference. Maintaining a clean payment history going forward is one of the most important steps you can take. Reducing outstanding balances, avoiding new credit applications, and ensuring bank statements show responsible money management all help strengthen your application.
Saving a higher deposit can also offset risk, particularly where missed payments are more recent. AIMS NI will advise you on the most effective steps based on your individual circumstances.
Deposit Requirements for a Mortgage After Missed Payments
Applicants with missed payments may be asked to provide a higher deposit, especially where missed payments are recent or frequent. A larger deposit reduces the lender’s risk and can improve both approval chances and access to more competitive rates.
Deposit expectations vary depending on the severity and timing of missed payments, as well as your overall credit profile and affordability. AIMS NI provides realistic guidance so you know what to expect before applying.
Why Choose AIMS NI Advice?
AIMS NI has over 20 years’ experience helping clients with adverse credit, including missed payments, CCJs, IVAs and payday loan history. As an independent, whole-of-market broker, we are not restricted to a small panel of lenders and can access specialist providers where needed.
We are authorised and regulated by the Financial Conduct Authority and have advisors located across Northern Ireland. Our approach is clear, supportive and professional, guiding you from initial enquiry through to completion.
The AIMS NI Process
We begin with a free, no-obligation consultation to understand your credit history and mortgage goals. We then review your credit file and affordability to assess how lenders are likely to view your application.
Once this is complete, we search the whole market for suitable lenders, prepare your application, and manage the process through to completion, keeping you informed at every stage.
Start Your Mortgage Application with AIMS NI
Missed payments do not have to stop you from moving forward with your mortgage plans. With the right advice and access to suitable lenders.
Contact AIMS NI today for a free, no-obligation consultation and take the next step towards securing your mortgage with confidence.
Frequently Asked Questions
Yes. Many lenders will consider applications with missed payments, depending on how recent they were and your current financial stability.
Missed payments usually remain on your credit file for six years, but their impact reduces over time if recent credit conduct is clean.
Yes. Missed mortgage or secured loan payments are generally viewed more seriously than missed unsecured credit payments.
It can be, particularly if missed payments are recent. Rates often improve as missed payments become historic.
Yes, although lenders will carefully assess income stability and affordability.
Disclaimer
THE PLAN WILL HAVE NO CASH-IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
CRITICAL ILLNESS PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN.
