How to Strengthen a Weak Adverse Credit Mortgage Application A strengthen adverse credit mortgage application approach is often needed when...
Read More
Bad Credit Mortgage Guides
If you’re dealing with credit issues and want clear, reliable information, this section brings together all our guides on mortgages with adverse credit. You’ll find articles covering CCJs, defaults, missed payments, overdraft problems, debt consolidation, old credit accounts, and more. Each guide explains how lenders assess different situations, what you can expect during the application process, and how to improve your chances of being accepted.
We regularly update these guides to reflect lending policy changes, specialist lender criteria and the most common questions people ask us. Whether your credit worries are recent or historic, this section will help you understand what lenders look for and where you may have options.
Mortgage After Car Finance Declined – What Lenders Look At
Can You Get a Mortgage If You’ve Been Declined for Car Finance? A mortgage after car finance declined is a...
Read More
Returned Direct Debits Mortgage Lenders Look At – How Long They Stay Visible
How Long Returned Direct Debits Stay on Your File for Mortgage Lenders Returned direct debits mortgage lenders review are a...
Read More
Mortgage with Multiple Short-Term Loans – What Lenders Consider
Can You Get a Mortgage If You’ve Had Multiple Short-Term Loans? A mortgage with multiple short-term loans is a common...
Read More
Mortgage After Defaulting on Rent – What Lenders Consider
Can You Get a Mortgage If You’ve Defaulted on Rent in the Past? A mortgage after defaulting on rent is...
Read More
How Long You Should Wait After Clearing Debts Before Applying For A Mortgage
How Long You Should Wait After Clearing Your Debts Before Applying Knowing how long to wait after clearing debts before...
Read More
Mortgage with Old CIFAS Marker Removed – What Lenders Consider
Can You Get a Mortgage with an Old CIFAS Marker Removed? Getting a mortgage with old CIFAS marker removed is...
Read More
Missed Payments Buy Now Pay Later Mortgage Impact Explained
How Missed Payments on Buy Now Pay Later Affect Mortgages Missed payments buy now pay later mortgage applications can be...
Read More
Mortgage Declined Due to Recent Financial Association Removal: What It Means
Mortgage Declined Due to Recent Financial Association Removal A mortgage declined due to recent financial association removal can feel unexpected,...
Read More
Mortgage Declined Due to Internal Bank Scoring: What It Really Means
Mortgage Declined Due to Internal Bank Scoring A mortgage declined due to internal bank scoring can be one of the...
Read More
Mortgage Declined Because Credit File Shows Dormant Accounts Only
Mortgage Declined Because Credit File Shows Dormant Accounts Only A mortgage declined because credit file shows dormant accounts only can...
Read More
Mortgage Declined Due to thin Credit File: What It Means for Lender
Mortgage Declined Due to Thin Credit File A mortgage declined due to a thin credit file can be frustrating, particularly...
Read More
Mortgage Declined Because Credit Limits Were Recently Increased: Why It Happens
Mortgage Declined Because Credit Limits Were Recently Increased A mortgage declined because credit limits were recently increased can feel confusing,...
Read More
Mortgage Declined Due to Buy Now Pay Later Use: What It Means
Mortgage Declined Due to Frequent Buy Now Pay Later Use A mortgage declined due to buy now pay later use...
Read More
Mortgage Declined Because Utilities Were Paid Late Historically: Why It Happens
Mortgage Declined Because Utilities Were Paid Late Historically: Why It Happens A mortgage declined because utilities were paid late historically...
Read More
Mortgage Declined Due to Historic Rent Arrears Already Settled: Why It Happens
Mortgage Declined Due to Historic Rent Arrears Already Settled: Why It Happens A mortgage declined due to historic rent arrears...
Read More
Mortgage Declined Due to Unpaid Fees or Charges on Your Bank Account: What to Fix
Mortgage Declined Due to Unpaid Fees or Charges on Your Bank Account A mortgage declined due to unpaid fees can...
Read More
Mortgage Declined Due to Returned Direct Debits: What It Means and How to Fix It
Mortgage Declined Due to Returned Direct Debits in the Last 3 Months A mortgage declined due to returned direct debits...
Read More
Mortgage Declined Due to Overdraft Use: What to Change
Mortgage Declined Due to a Bank Account Being Overdrawn Regularly: What to Change A mortgage declined due to overdraft use...
Read More
Mortgage Declined Due to Gambling Transactions: What to Do Next
Mortgage Declined Due to Gambling Transactions: What to Do Next Short answer: mortgages are declined due to gambling transactions when...
Read More