LOOKING FOR A NEW HOME ?
Based in Cornwall,Devon or Somerset?
Bad Credit, Low income, self employed and need a Fresh Start? Why a shared ownership house in 2026 may be closer than you think.

The Jones family had stopped looking at new houses- No point falling in love with homes they could not buy. No point imagining where the sofa would go, or which bedroom their little boy would choose, when her credit file kept dragging them back to reality.

A couple of years earlier, life had knocked the family’s finances sideways. Rising bills, one missed payment that became several, then a default they felt ashamed to talk about. After that, the dream of owning a home seemed impossible.

So they did what many people do. They assumed the worst.

They assumed bad credit meant no forever home.
They assumed no lender would listen.
They assumed they would have to wait years before anyone would even consider them for their new house.

In 2026, adverse credit is affecting millions of people across the UK. Pepper Money’s 2025/26 Specialist Lending Study says 9.26 million UK adults, or 17%, have experienced adverse credit in the last 3 years, and less than half of potential homebuyers with adverse credit say they wouldn’t speak to a mortgage broker for advice. That means a huge number of people may be ruling themselves out to purchase a house before they have even explored what might be possible.
Shared ownershiip is easier than you think even if you’re on a low income.
From 10% ownership available.
[email protected]
www.seafieldgroup.co.uk