Missed Payments Buy Now Pay Later Mortgage: What They Mean for Your Application The use of Buy Now Pay Later...
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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.
Can You Get a Mortgage with Persistent Debt Collection Activity? Honest Expert Guide
Can You Get a Mortgage with Persistent Debt Collection Activity? Honest Expert Guide Many applicants worry about how debt collection...
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Does Paying Minimum Payments Affect Mortgage Approval? Clear Expert Guide
Does Paying Minimum Payments Affect Mortgage Approval? Clear Expert Guide Credit cards, store cards, and other revolving credit accounts often...
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How Lenders Look at High Credit Card Limits Even if Unused — Full Guide
How Lenders Look at High Credit Card Limits Even If Unused — Full Guide When preparing for a mortgage application,...
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Can You Get a Mortgage with a Reopened Default? Clear, Helpful Guide
Can You Get a Mortgage with a Reopened Default? If you’re exploring whether you can secure a mortgage with a...
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Which Adverse Credit Issues Matter Most to Mortgage Lenders? Clear Expert Guide
Which Adverse Credit Issues Matter Most to Mortgage Lenders? Understanding which adverse credit issues matter most to mortgage lenders is...
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Can You Get a Mortgage While Clearing Old Council Tax Debt? Honest Guide
Can You Get a Mortgage While Clearing Old Council Tax Debt? If you’re exploring whether you can obtain a mortgage...
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How Lenders View Debt Consolidation Loans During Mortgage Checks — What to Expect
How Lenders View Debt Consolidation Loans During Mortgage Checks Understanding how lenders view debt consolidation loans during mortgage checks is...
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Can You Get a Mortgage with a Rebuilt Credit File After Moving Back? Clear Guide
Can You Get a Mortgage with a Rebuilt Credit File After Moving Back? If you’ve recently returned to the UK...
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Mortgage If Your Partner Has a Default and You Don’t — What Are Your Options?
Mortgage If Your Partner Has a Default and You Don’t — What Are Your Options? Applying for a mortgage if...
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What Happens If Your Credit Score Drops During Mortgage Application? Full Guide
What Happens If Your Credit Score Drops During Mortgage Application? It’s not uncommon for borrowers to worry about what might...
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Mortgage After Repossession More Than Six Years Ago: Can You Get Approved?
Mortgage After Repossession More Than Six Years Ago: Can You Get Approved? If you previously experienced repossession, you may now...
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How Lenders Treat Old Payday Loans: What Happens When They Drop Off Your Credit File
How Lenders Treat Old Payday Loans: What Happens When They Drop Off Your Credit File Borrowers often wonder how lenders...
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Can You Get a Mortgage With Historic Missed Utility Payments?
Can You Get a Mortgage With Historic Missed Utility Payments? If you’ve previously fallen behind on gas, electricity, water, broadband,...
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Can You Get a Mortgage While Using a Credit Builder Card?
Can You Get a Mortgage While Using a Credit Builder Card? If you're working on improving your credit profile, you...
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How Long to Wait After Repairing Credit for a Mortgage: Full Timeline Guide
How Long to Wait After Repairing Credit for a Mortgage If you've recently improved your financial situation, you may be...
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West One Residential Mortgage Criteria Explained: High LTVs, Credit Blips & Flexible Income Options
West One Residential Mortgage Criteria Explained: High LTVs, Credit Blips and Flexible Income Options If you’ve struggled with credit blips,...
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Precise Mortgages Bad Credit Mortgage Guide: How Specialist Lending Works
Precise Mortgages Bad Credit Mortgage Guide: Specialist Lending for Adverse Credit Precise Mortgages bad credit mortgage options are designed for...
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Kensington Mortgages Bad Credit High LTV Guide: Everything You Need to Know
Kensington Mortgages Bad Credit High LTV Guide Kensington Mortgages bad credit high LTV options are designed for people who don’t...
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Aldermore Self-Employed Mortgages: Real Options for Complex & Adverse Credit Cases
Aldermore Mortgage Guide: Self-Employed and Adverse Credit Cases An Aldermore self employed adverse credit mortgage is designed specifically for people...
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