Bluestone Mortgages Guide: Options for Complex Credit and Income A Bluestone Mortgages complex credit income situation is extremely common for...
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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.
Pepper Money Bad Credit Mortgage Guide: CCJs, Defaults & Missed Payments Explained
Pepper Money Bad Credit Mortgage Guide What if past financial mistakes — like a CCJ, default, or missed payments —...
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Mortgage After Closing Old Credit Accounts: Does It Affect Approval?
Mortgage After Closing Old Credit Accounts: Does It Affect Approval? When preparing for a mortgage application, many people try to...
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Mortgage Options Multiple Settled Defaults: How to Get Approved
Mortgage Options Multiple Settled Defaults: How to Get Approved If you have more than one settled default on your credit...
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Partner Severe Adverse Credit Mortgage: What It Means for Your Application
Partner Severe Adverse Credit Mortgage: What It Means for Your Application Applying for a mortgage together can be exciting, but...
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Linked to Someone with Bad Credit Mortgage: Can You Still Get Approved?
Linked to Someone with Bad Credit Mortgage: Can You Still Get Approved? If you’ve previously shared financial products with someone...
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Joint Credit Accounts Solo Mortgage: How Shared Credit Affects Your Application
Joint Credit Accounts Solo Mortgage: How Shared Credit Affects Your Application If you’re applying for a mortgage on your own...
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Mortgage While Settling Old Debts: Can You Still Get Approved?
Mortgage While Settling Old Debts: Can You Still Get Approved? Many people begin working on old debts shortly before or...
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Soft Searches Mortgage Application: Do They Affect Approval?
Soft Searches Mortgage Application: Do They Affect Approval? Checking your credit score before applying for a mortgage is common, but...
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Fraud Marker Removed Mortgage: Can You Still Get Approved?
Fraud Marker Removed Mortgage: Can You Still Get Approved? Being flagged with a fraud marker — such as a Cifas...
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Improve Internal Bank Score Mortgage: Practical Steps to Boost Approval Chances
Improve Internal Bank Score Mortgage: Practical Steps to Boost Approval Chances When applying for a mortgage, most people focus on...
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Low Internal Score Mortgage: Can You Still Get Approved by Other Lenders?
Low Internal Score Mortgage: Can You Still Get Approved by Other Lenders? If your own bank has declined your mortgage...
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Multiple Address Changes Mortgage: How Moving Often Affects Credit Checks
Multiple Address Changes Mortgage: How Moving Often Affects Credit Checks Many people move regularly for work, study or personal circumstances....
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Historic Payday Loan Mortgage: Can You Still Get Approved Today?
Historic Payday Loan Mortgage: Can You Still Get Approved Today? Payday loans are often used during periods of short-term financial...
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Old Defaults Mortgage Rates: How Long Do They Affect Your Options?
Old Defaults Mortgage Rates: How Long Do They Affect Your Options? If you have defaults on your credit file, one...
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Repossessed Vehicle Mortgage: Can You Still Get Approved?
Repossessed Vehicle Mortgage: Can You Still Get Approved? If you’ve had a car repossessed in the past, you may worry...
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Mortgage After a Short Term Loan: What Lenders Really Look For
Mortgage After a Short Term Loan: What Lenders Really Look For Short-term loans — including instalment loans, high-cost short-term credit,...
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Number of Credit Accounts Mortgage: Does Having Many Accounts Affect Approval?
Number of Credit Accounts Mortgage: Does Having Many Accounts Affect Approval? Many borrowers worry that having too many credit accounts...
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High Credit Utilisation Mortgage: Can You Still Get Approved?
High Credit Utilisation Mortgage: Can You Still Get Approved? High credit utilisation is one of the most common concerns among...
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Missed Utility Bills Mortgage: How Late Payments Affect Your Approval
Missed Utility Bills Mortgage: How Late Payments Affect Your Approval Utility bills are an essential part of everyday life, but...
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