If you have a blemish on your credit history – caused by factors such as mortgage or rent arrears, as well as County Court Judgments (CCJs), defaults, decrees and bankruptcy – you may be put off from applying for a mortgage and find it harder to get on the property ladder. To work out if you are eligible for one of Direct Line’s mortgages, you can view our terms and conditions and apply for a mortgage online.

Direct Line has a range of fixed rate and flexible mortgages. You can use the online mortgage calculator to work out how much you need to borrow and check out our online mortgage range to find out which one suits you best.

While Direct Line cannot guarantee a mortgage to those with bad credit, we can take all your details into consideration and let you know the outcome quickly and efficiently. As with all our mortgages, a successful application depends on your circumstances. However, Direct Line recognise that many people have other loans and outgoings.

Our fixed rate mortgages are also great for those who need to keep on top of their finances, with a monthly set amount deducted by direct debit. We also offer a Repayment Protector Plan to help prevent you falling into bad credit if you are unable to meet your mortgage repayments due to accident, sickness or involuntary employment.

If you would like to check your credit history before you approach Direct Line for a mortgage, you can contact credit scoring company Equifax at www.equifax.co.uk.

All customers wishing to find out more about Direct Line mortgages can view the full range of details or apply online now.