Mortgage After Rebuilding Credit from Scratch: Can You Get Approved? Rebuilding your credit from scratch can feel daunting, especially when...
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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.
Multiple Credit Searches Mortgage: Will Lenders Still Approve You?
Multiple Credit Searches Mortgage: Will Lenders Still Approve You? When preparing for a mortgage, many people check comparison sites, apply...
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Mortgage While in a Payment Holiday: Can You Still Be Approved?
Mortgage While in a Payment Holiday: Can You Still Be Approved? Payment holidays can provide short-term breathing space during financial...
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Store Cards Mortgage Eligibility: How They Affect Your Approval Chances
Store Cards Mortgage Eligibility: How They Affect Your Approval Chances Store cards are a common form of revolving credit, often...
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Recently Settled CCJ Mortgage: Can You Still Get Approved?
Recently Settled CCJ Mortgage: Can You Still Get Approved? A County Court Judgment (CCJ) can feel like a major setback...
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Do Banks Check Old Credit Files Mortgage Approval Guide
Do Banks Check Old Credit Files? Mortgage Approval Guide When applying for a mortgage, many borrowers worry about older issues...
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Arrangement to Pay Mortgage: How Lenders Treat ARP Markers
Arrangement to Pay Mortgage: How Lenders Treat ARP Markers An Arrangement to Pay (ARP) is an agreement made with a...
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Mortgage With Previous Debt Write Off: Can You Still Get Approved?
Mortgage With Previous Debt Write-Off: Can You Still Get Approved? A debt write-off is one of the most significant forms...
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New Credit Card Mortgage Approval: How Opening a Card Affects Your Chances
New Credit Card Mortgage Approval: How Opening a Card Affects Your Chances It’s common for people to open a new...
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Recent New Credit Mortgage: Can You Still Get Approved After Taking Out Credit?
Recent New Credit Mortgage: Can You Still Get Approved After Taking Out Credit? Taking out new credit shortly before applying...
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Repeated Returned Direct Debits Mortgage: What Are Your Options?
Repeated Returned Direct Debits Mortgage: What Are Your Options? When preparing for a mortgage, many applicants expect lenders to focus...
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Persistent Overdraft Use Mortgage: Can You Still Get Approved?
Persistent Overdraft Use Mortgage: Can You Still Get Approved? Overdrafts are designed to provide short-term flexibility, but when an account...
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Credit Score Drop Car Finance Mortgage: How It Affects Your Approval Chances
Credit Score Drop Car Finance Mortgage: How It Affects Your Approval Chances Car finance is one of the most common...
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Open Banking Dispute Mortgage: Can You Still Get Approved?
Credit Score Drop Car Finance Mortgage: How It Affects Your Approval Chances Car finance is one of the most common...
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Current Account Conduct Bad Credit Mortgage: How Lenders Judge Your Banking Behaviour
Current Account Conduct Bad Credit Mortgage: How Lenders Judge Your Banking Behaviour When applying for a mortgage with bad credit,...
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Frequent Balance Transfers Mortgage: What Underwriters Really Think
Frequent Balance Transfers Mortgage: What Underwriters Really Think Using balance transfer credit cards can be a sensible way to manage...
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High Short Term Loan Usage Mortgage: How Lenders Assess Your Application
High Short Term Loan Usage Mortgage: How Lenders Assess Your Application Short-term loans — including payday loans, instalment loans, and...
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Can You Get a Mortgage With Historic Fraud Flags Removed From Your File?
Can You Get a Mortgage With Historic Fraud Flags Removed From Your File? Having a fraud flag on your credit...
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What Happens If You Have Recent Address Changes on Credit File?
What Happens If You Have Recent Address Changes on Your Credit File? Most people move home more than once in...
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How Repeated Credit Applications Affect Mortgage Affordability: What Lenders Really See
How Repeated Credit Applications Affect Mortgage Affordability: What Lenders Really See When preparing for a mortgage, many people focus on...
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