36% of people think they will never be in a financial position to buy a home!

Think You'll Never Own a Home? You're Not Alone – But There Is Hope

Recent research from Pepper Money revealed a sobering statistic:

Let that sink in for a moment—over a third of the population feels homeownership is simply out of reach.

Whether due to rising house prices, the cost-of-living crisis, or credit issues, it’s understandable that many feel discouraged. But here’s the good news: you’re not alone—and there are more options than you think.

In this post, we’ll look at:

• Why so many people feel locked out of the property market

• The truth about buying with bad credit or financial blips

• How specialist mortgages work

• What steps you can take—starting today—to move closer to owning your own home

  
  

The Emotional Toll of Feeling Like You’ll Never Buy

Let’s be honest: thinking you’ll never own a home is emotionally exhausting.

It’s not just about bricks and mortar—it’s about security, stability, and achieving a key life goal. Whether you're a single parent, self-employed, recovering from financial setbacks, or simply trying to keep your head above water in today’s economy, the dream of owning a home can feel like it’s slipping further away.

But I want to challenge that mindset today—because there is a way forward, even if your finances aren't perfect right now.

Do Any of These Apply to You?

Take a look at the following. If you’ve answered “yes” to one or more, then keep reading—you’re exactly who this blog is for:

• Do you have a low credit score? ✅

• Have you had missed payments, defaults, or CCJs in the past? ✅

• Are you currently in or have you previously used a Debt Management Plan (DMP)? ✅

• Have you been turned down by high-street lenders? ✅

• Do you feel like your financial history defines your future? ✅

  
  

If you’re nodding your head to any of the above, let me assure you: there are mortgage solutions out there specifically designed for your situation.

Why More People Than Ever Are Facing Credit Challenges

The financial landscape in the UK has changed drastically in recent years.

Between rising living costs, inflation, and stagnant wages, it’s no surprise that more households are relying on credit just to stay afloat. Missed bills, temporary job loss, and short-term debt management solutions are becoming increasingly common.

And yet, many traditional banks are still slow to adapt. Their rigid approval criteria mean that even minor credit hiccups can block you from accessing a mortgage—no matter how stable you are now.

This is where specialist mortgage lenders come in.

Specialist Lenders: What They Are and How They Can Help

Unlike high-street banks, specialist lenders take a real-world approach to mortgage lending.

They don’t just look at your credit score—they take the time to understand your full financial picture. That means they’ll consider:

• The reasons behind any credit issues

• How long ago those issues occurred

• Your current income and affordability

• Whether you’re actively managing or recovering from past debt

  
  

These lenders work with people every day who:

• Have experienced bankruptcy

• Have had CCJs or defaults

• Are on debt management plans

• Are self-employed with limited accounts

• Have thin credit files or low credit scores

And yes—they still get mortgages approved.

Help to Buy and Other Support Schemes

In addition to specialist lending, there are still government-backed schemes that can support buyers with lower deposits or affordability concerns.

These may include:

• Shared Ownership (buy part, rent part)

• First Homes Scheme (new builds at discounted prices)

• Deposit Unlock (5% deposit for new builds)

• Other local authority or developer incentives

  
  

Even if you’ve had credit issues in the past, you may still qualify for these schemes if you apply through the right lender or broker.

But My Credit Is Bad… Can I Still Get a Mortgage?

Here’s the truth: having poor credit doesn’t mean you can’t buy a home—it just means you need the right support, the right strategy, and the right lender.

Let me share a quick example:

So yes, it’s possible.

Let’s Turn the ➖ Negatives into ➕ Positives

If you’ve ever thought, “I’ll never be able to buy a home,” it’s time to reframe that thinking.

Here’s what we can do:

✅ Assess your credit profile without judgment

We’ll look at your full financial picture—not just your score.

✅ Explore your mortgage options

There are lenders out there who want to work with people like you.

✅ Create a realistic savings or credit repair plan

If now isn’t the right time, we’ll work together to build a plan that gets you ready in 6–12 months.

✅ Restore your financial confidence

Homeownership isn’t just a financial milestone—it’s a personal one, and I’m here to support you every step of the way.

Why Work with a Mortgage Specialist?

As a mortgage specialist who regularly works with clients with credit challenges, I understand how frustrating and overwhelming the process can feel.

Here’s how I help:

• I listen without judgment

• I explain everything in plain English

• I connect you with the right lender for your circumstances

• I help you prepare all the documents to give your application the best chance of success

Whether you’re ready to apply today or want to build a plan for 6–12 months from now, we’ll move at your pace.

Your Next Step

If you've been putting off even looking into buying because you thought it wasn’t possible—let’s have a quick chat.

There’s no pressure, no obligation, and no judgment—just a friendly conversation about what’s possible for you.

📲 Call or WhatsApp me on 07791 786265

📩 Or email me directly: lucy@creatingmortgagesolutions.co.uk

Let’s turn “I’ll never own a home” into “I can’t believe I waited so long to try.”

Creating Mortgage Solutions Limited is an appointed representative of Mortgage Lane Limited which is authorised and regulated by the Financial Conduct Authority for credit broking and mortgage advice (FCA 937192). Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up with repayments on a mortgage or any other debt secured on it.

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