Mortgage After Entering a Debt Arrangement: Your Options, What Lenders Accept & How to Prepare Entering a debt arrangement can...
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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.
Gambling Transactions Mortgage: How Betting Activity Affects Your Approval Chances
Gambling Transactions Mortgage: How Betting Activity Affects Your Approval Chances Gambling and betting activity on bank statements is a common...
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Mortgage With Missed Mobile Phone Payments: What Lenders Check & Your Options
Gambling Transactions Mortgage: How Betting Activity Affects Your Approval Chances Gambling and betting activity on bank statements is a common...
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Mortgage After Multiple Defaults: Your Options, Chances & What Lenders Look For
markers, with icons showing lender checks, affordability assessments, risk indicators, and mortgage documents. Clean, modern vector artwork; 3:2 aspect ratio;...
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Joint Applications When One Applicant Has Bad Credit: What You Need to Know
Joint Applications When One Applicant Has Bad Credit: What You Need to Know Applying for a mortgage jointly can strengthen...
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Mortgages for People With Low Credit Scores but High Income: Your Options Explained
Mortgages for People With Low Credit Scores but High Income: Your Options Explained A low credit score can feel like...
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What Lenders Consider When You’ve Had Overdraft Debt or Returned Payments
What Lenders Consider When You’ve Had Overdraft Debt or Returned Payments When applying for a mortgage, lenders look far beyond...
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Mortgage After an IVA Removed From Your Credit File: What Happens Next?
Mortgage After an IVA Removed From Your Credit File: What Happens Next? An Individual Voluntary Arrangement (IVA) remains on your...
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Mortgage After Bankruptcy Discharge: What to Expect and How to Prepare
Mortgage After Bankruptcy Discharge: What to Expect and How to Prepare Bankruptcy is one of the most serious forms of...
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How Long After a CCJ You Can Qualify for a Mortgage: Clear, Practical Guidance
How Long After a CCJ You Can Qualify for a Mortgage: Clear, Practical Guidance County Court Judgments (CCJs) are one...
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Mortgage Options for People With Multiple Defaults From the Same Lender
Mortgage Options for People With Multiple Defaults From the Same Lender Having one default on your credit file can be...
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How Debt Management Plans Affect Mortgage Approval: Clear, Honest Guidance
How Debt Management Plans Affect Mortgage Approval: Clear, Honest Guidance A Debt Management Plan (DMP) provides a structured way to...
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Mortgage After a Credit Report Correction or Dispute: What You Need to Know
Mortgage After a Credit Report Correction or Dispute: What You Need to Know Errors on a credit report are more...
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Mortgage After Payday Loans: Can You Still Get Approved? Clear, Honest Guidance
Mortgage After Payday Loans: Can You Still Get Approved? Clear, Honest Guidance Payday loans leave a clear footprint on your...
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Mortgages for People With Old Defaults That Are Now Settled: Clear, Practical Guidance
Mortgages for People With Old Defaults That Are Now Settled: Clear, Practical Guidance Having defaults on your credit file can...
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How Late Payments Affect Your Mortgage Options: Clear Guidance & Real Answers
How Late Payments Affect Your Mortgage Options: Clear Guidance & Real Answers Late payments are one of the most common...
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Can an Overdraft Affect Your Mortgage Application? What Lenders Really Think
Can an Overdraft Affect Your Mortgage Application? What Lenders Really Think Many borrowers use overdrafts as a buffer, especially around...
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Mortgage with a Low Credit Score and No Guarantor: What Are Your Options
Mortgage with a Low Credit Score and No Guarantor: What Are Your Options? A low credit score can make the...
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Mortgage After a Debt Consolidation Loan: What You Need to Know
Mortgage After a Debt Consolidation Loan: What You Need to Know If you have taken out a debt consolidation loan...
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What Happens If You Miss a Mortgage Payment? Consequences & What to Do Next
What Happens If You Miss a Mortgage Payment? Consequences & What to Do Next Missing a mortgage payment is something...
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