Can You Get a Mortgage With Open Low Balance Defaults? It’s more common than many borrowers think: small-value defaults appearing...
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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.
Why Lenders Decline Applications Based on Non-Financial Markers: What You Need to Know
Why Lenders Decline Applications Based on Non-Financial Markers: What You Need to Know Most mortgage applicants understandably focus on financial...
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Frequent Address Changes Mortgage Underwriting: How Lenders Assess Your Application
Frequent Address Changes Mortgage Underwriting: How Lenders Assess Your Application Moving home regularly is increasingly common — whether for rental...
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Mortgage Options Recovering From Short-Term Financial Difficulty: What You Need to Know
Mortgage Options Recovering From Short-Term Financial Difficulty: What You Need to Know Short-term financial pressure is something many people experience...
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Multiple Credit Score Drops Mortgage: Can You Still Get Approved?
Multiple Credit Score Drops Mortgage: Can You Still Get Approved? Credit scores naturally rise and fall over time, but when...
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What Happens If Your Electoral Roll Address Doesn’t Match Your Application?
What Happens If Your Electoral Roll Address Doesn’t Match Your Application? When applying for a mortgage, one of the most...
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Getting a Mortgage After Clearing High Credit Card Utilisation
Getting a Mortgage After Clearing High Credit Card Utilisation High credit card utilisation is one of the most common reasons...
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Soft Searches Influence Mortgage Applications: What Lenders Look For
Soft Searches Influence Mortgage Applications: What Lenders Look For Many mortgage applicants worry when they see multiple soft searches recorded...
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Can Settled Payday Loans Affect Mortgage Lending?
5. Meta DescriptionFind out whether settled payday loans affect mortgage lending and how lenders assess past short-term borrowing. 6. Blog...
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How Lenders View Borrowers With No Credit History at All
How Lenders View Borrowers With No Credit History at All Having no credit history can feel like a disadvantage when...
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Mortgage Options – One Recent Missed Payment and What Lenders Look For
Mortgage Options – One Recent Missed Payment and What Lenders Look For A single missed payment can feel alarming when...
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Can You Get a Mortgage If Your Credit Score Has Improved Suddenly?
Can You Get a Mortgage If Your Credit Score Has Improved Suddenly? Many borrowers experience a sudden jump in their...
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Can You Get a Mortgage After Rebuilding Your Score for 3–6 Months?
Can You Get a Mortgage After Rebuilding Your Score for 3–6 Months? Many borrowers work hard to repair their credit...
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Does Using Too Much Available Credit Reduce Your Mortgage Chances?
Vector-style illustration showing a borrower reviewing a credit utilisation gauge showing high usage, alongside icons for credit cards, lender affordability...
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Mortgage With Multiple Credit Accounts: What Underwriters Look For and How to Prepare
Mortgage With Multiple Credit Accounts: What Underwriters Look For and How to Prepare Most people have several credit accounts —...
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Irregular Payment Patterns on Credit Report: How Lenders View Your History
yellow #F5C842). 2. SEO TitleIrregular Payment Patterns on Credit Report: How Lenders View Your History 3. Focus KeywordIrregular payment patterns...
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Mortgage With Old Settled Debt: What Lenders Check and Your Approval Options
Mortgage With Old Settled Debt: What Lenders Check and Your Approval Options Many people applying for mortgages have some form...
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Mortgage in an Open Banking Dispute: What Lenders Check and Your Options
Check and Your Options ChatGPT said: 1. Image PromptVector-style illustration showing a borrower in discussion with a mortgage assessor, with...
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How Long Settled CCJs Affect Mortgage Applications: Your Timeline & Options
How Long Settled CCJs Affect Mortgage Applications: Your Timeline & Options A County Court Judgment (CCJ) can be unsettling for...
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Mortgage After Credit Score Dropped Suddenly: What It Means and Your Options
Mortgage After Credit Score Dropped Suddenly: What It Means and Your Options A sudden drop in your credit score can...
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