There was no mention about any restriction pertaining to bad credit when it comes to applying to Help to Buy. On that note, there are lenders specialising in bad credit that entered the Help to Buy mortgage scheme. It brings good news for homeowners with available 5% or 10% cash deposit but has a bad credit history. The lenders specialise in lousy credit offer mortgages with arrears acquired more than 12 months ago. Furthermore, they provide a mortgage to homeowners with Defaults. Lenders also provide to County Court Judgments that were registered more than 36 months ago. If you have over two consecutive missed payments on any unsecured loan within the past 36 months, it’s possible for you to find a lender offering a mortgage for your Help to Buy home.