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Bad credit mortgage guides
Mortgage guides for credit issues and complex cases
General information on defaults, CCJs, missed payments, DMPs, IVAs, bankruptcy and debt collection activity, including factors some lenders may consider when assessing an application.
About these guides
General information only. Mortgage Bridge is a mortgage introducer, not a mortgage adviser. Mortgage availability depends on individual circumstances and lender criteria; acceptance is not guaranteed.
We receive a share of the adviser’s commission on introductions that complete. Read the full important information about these guides.
Any property used as security, including your home, may be repossessed if you do not repay borrowing secured against it.
Limited Credit History and Mortgage Assessment: Evidence and Verification
A limited credit file is different from a record of missed payments. General information from Mortgage Bridge, a mortgage introducer.
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Payday Loan History and Mortgage Assessment: Dates, Status and Commitments
Historical payday borrowing, an active loan and the record of repayments are different facts. General information from Mortgage Bridge, a...
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Buy Now Pay Later and Mortgage Assessment: Instalments and Evidence
Buy now pay later purchases can create payments falling due on different dates. General information from Mortgage Bridge, a mortgage...
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Credit Builder Loans and Mortgage Assessment: Costs, Records and Limits
A credit builder label does not establish a benefit to mortgage prospects. General information from Mortgage Bridge, a mortgage introducer.
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Overdraft Use and Mortgage Assessment: Facilities, Balances and Records
An arranged overdraft limit, the balance actually used and a record of payments beyond agreed terms are different facts. General...
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New Credit Cards and Mortgage Assessment: Searches, Balances and Payments
A new card’s available limit, balance and contractual payment are different figures. General information from Mortgage Bridge, a mortgage introducer.
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Cifas Information and Mortgage Applications: Data Access and Assessment
Cifas fraud-prevention information is different from a consumer credit score. General information from Mortgage Bridge, a mortgage introducer.
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Address Mismatches in Mortgage Applications: Verification and Accuracy
Names, address formats and dates can differ between records for several reasons. General information from Mortgage Bridge, a mortgage introducer.
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Internal Mortgage Scoring: Published Requirements and Assessment Limits
A lender’s internal assessment and the consumer score displayed by a report provider are different. General information from Mortgage Bridge,...
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Recent Credit Applications and Mortgage Assessment: Searches and Commitments
A credit enquiry, a hard search and an account opened after approval are different facts. General information from Mortgage Bridge,...
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Credit Utilisation and Mortgage Assessment: Balances, Limits and Commitments
Credit utilisation compares use of revolving credit with the available limit. General information from Mortgage Bridge, a mortgage introducer.
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Cash Withdrawals and Mortgage Applications: Records, Context and Costs
A withdrawal shows money leaving an account, but not necessarily the final purpose of the cash. General information from Mortgage...
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Gambling Transactions in Mortgage Records: Spending Evidence and Assessment
A gambling-related entry needs to be understood alongside the actual spending, income and commitments. General information from Mortgage Bridge, a...
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Mortgage Affordability Declines: Calculations, Evidence and Outcome Limits
An affordability result is different from a consumer credit score. General information from Mortgage Bridge, a mortgage introducer.
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Thatched or Timber Frame Homes With Previous Credit Issues: Mortgage Assessment
A thatched roof and a timber frame describe different building features. General information from Mortgage Bridge, a mortgage introducer.
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Non-Standard Construction and Previous Credit Issues: Mortgage Assessment
The property’s construction and the applicant’s credit record are separate assessment questions. General information from Mortgage Bridge, a mortgage introducer.
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Mortgage with a CCJ: How Lenders May Assess Applications
A mortgage with a CCJ depends on lender criteria and individual circumstances. Learn about judgment dates, payment status, credit history...
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Mortgage with a Default: How Lenders May Assess Applications
A mortgage with a default depends on lender criteria and individual circumstances. Learn about default dates, payment status and wider...
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Benefit Income and Previous Credit Issues: Mortgage Checks
Benefit income and previous credit issues are separate mortgage checks. Read about payment evidence, lender requirements, affordability and review dates.
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Cryptocurrency or Share Sales: Mortgage Deposit Evidence
Cryptocurrency or share sales need evidence of ownership, origin and transfers. Read why lender deposit policy and conveyancing checks remain...
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Important information about these guides
Mortgage Bridge acts as a mortgage introducer and provides general information and administrative support. These guides are for educational purposes only and should not be relied upon as mortgage advice, a recommendation or an assessment of your eligibility or suitability.
Mortgage Bridge does not assess mortgage suitability, determine eligibility, recommend products or make lending decisions. Any review of enquiry information by Mortgage Bridge is administrative only. Any regulated mortgage advice is provided separately by an adviser acting through a network authorised and regulated by the Financial Conduct Authority, following an assessment of your individual circumstances.
Providing an explanation for a credit issue does not establish eligibility or guarantee acceptance. Lenders differ in the circumstances they will consider and the evidence they require. Criteria, products and costs can change.
If you make an enquiry, we can provide administrative support and introduce your enquiry to an adviser. Mortgage Bridge has commercial referral relationships and receives a percentage of the commission earned by the adviser on introduced cases that complete. We therefore have a financial interest in those cases completing.
Read more about our role and how enquiries are handled in our About Us page, Terms and Conditions and Privacy Policy.
Any property used as security, including your home, may be repossessed if you do not repay borrowing secured against it.