Understand your position
We review your goals, income, commitments, deposit or equity and timescale.
SPECIALIST PROPERTY FINANCE
Mortgages with a debt management plan
A case-specific review for applicants currently in or previously subject to a debt management plan. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
Read our complete credit-impaired mortgage guide →
How we help with mortgages with a debt management plan
Finding the right funding is about more than comparing rates. Property type, rental or trading income, experience, valuation and ownership structure can all change the outcome.
Compare suitable options
We assess lender criteria, overall cost and suitability, not only the initial rate.
Manage the application
Your adviser and case manager keep the lender, valuation and legal process moving.
Mortgage advice around a debt management plan
A DMP is informal and lenders do not all assess it in the same way. Current balances, payment conduct, affordability and whether the plan remains active shape the available routes.
Plan status
Confirm whether the arrangement is active, completed or being settled.
Payment history
Show whether agreed payments and other commitments have been maintained.
Remaining balances
Understand how outstanding debts affect affordability.
Sustainable budget
Any new mortgage must remain affordable alongside existing commitments.
Your Smart Mortgages contact
Aaron handles debt-management-plan mortgage enquiries.
Mortgage advice around a debt management plan FAQs
Can I get a mortgage while in a DMP?
It may be possible in limited circumstances, depending on deposit, affordability, credit history and lender criteria.
Will completion improve my options?
It can, although lenders also consider the underlying credit events and elapsed time.
Should I settle debts first?
Do not decide solely for a mortgage application. We assess the lending impact; debt advice should come from an appropriately qualified source.
Specialist knowledge that can make the difference
Our team regularly works with debt management plans, DMP mortgages and historic credit issues. If a lender or another broker has already said no, that does not always mean there is no route forward. We can review your circumstances and whether a different lender or structure may be appropriate.
Frequently asked questions
How much can I borrow?
It depends on the property, income or rent, deposit or equity, experience, credit profile and lender policy. We provide a case-specific assessment.
Does an initial conversation affect my credit score?
No. An initial discussion with our team does not involve a lender credit search.
Can you help throughout the UK?
Yes. Our branches cover Northern Ireland and Scotland, and we advise clients across the UK.