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Getting a Mortgage After an Individual Voluntary Arrangement (IVA) Introduction to IVAs and Mortgage Implications Getting a mortgage after an Individual Voluntary Agreement (IVA) can be challenging, but it’s not impossible. An IVA is a legally binding agreement...
Getting a Mortgage After a Repossession The stress and financial repercussions of a repossession can also take its toll, along with leaving behind a huge blemish on your credit. The question for many people is, can you get a mortgage after repossession? The good news...
Getting a Mortgage With a County Court Judgement (CCJ) Having a County Court Judgment (CCJ) on your credit file can lead you to believe that getting a mortgage is out of the question. But even if you have a CCJ, it doesn’t mean that you can never take out a mortgage....
What is a Debt Management Plan It can be tough getting a mortgage if you’re on a Debt Management Plan (DMP) but it’s not impossible. A DMP is a method for paying your debts by making reduced payments to your creditors and while it can help you to get your financial...
Joint Mortgage with Bad Credit Securing a joint mortgage with bad credit can seem challenging, but it’s not impossible. Many couples or co-applicants find themselves in situations where one or both have poor credit scores, raising concerns about whether they can...
Can You Still Get a Mortgage? Missed a payment and wondering if you can still get a mortgage? You’re not alone. Whether it’s a missed credit card, utility, or mortgage payment, many people face financial hiccups and fear they’ll be locked out of the property market....
Getting a Mortgage After Payday Loans: What You Need to Know If you've used payday loans in the past, you might be wondering if it will impact your ability to secure a mortgage. While payday loans are short-term solutions for financial emergencies, they can leave a...
Can I Get a Mortgage with a Default Getting a mortgage with a default on your credit history can be challenging. Mainstream lenders, such as a high street bank, often have strict guidelines and prefer borrowers with clean credit histories. This can make it difficult...
Can I get a mortgage with late payments If you’ve had late payments or missed payments on your credit record, you might be concerned that getting a mortgage will be challenging. However, while late payments can impact your ability to secure a mortgage, they don’t...
Securing a Home Loan After Bankruptcy For individuals who have been through bankruptcy, the prospect of securing a mortgage can seem daunting. However, being a discharged bankrupt doesn’t mean the dream of homeownership is out of reach. With the right approach, and...