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Navigating the mortgage world can feel like learning a new language. From APR to Valuation, the terminology can be overwhelming especially if you’re a first-time buyer, self-employed, or applying for a buy-to-let mortgage. To help, here’s an A-Z glossary of common...

Introduction to Bad Credit Mortgages Understanding Credit History Credit history plays a significant role in determining an individual’s eligibility for a mortgage. A credit report, which is maintained by credit reference agencies such as Checkmyfile, Experian,...

Can I Get a Mortgage with a Debt Relief Order (DRO)? Introduction to Debt Relief Orders A Debt Relief Order (DRO) is a formal insolvency procedure designed for individuals with relatively low incomes and few assets, who are struggling to pay their debts. It serves as...

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....

Getting a Mortgage with a Debt Management Plan (DMP) Introduction to Mortgage Options Getting a mortgage can be a challenging and complex process, especially when you have a debt management plan (DMP) in place. A DMP is an informal agreement between you and your...

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...

Dealing with Missed Payment Mortgages 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...

Mortgage after using payday loans Introduction to Mortgage Challenges Getting a mortgage can be a challenging and complex process, especially for individuals with a history of payday loans. Payday loans can negatively impact your credit score and make it more...

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 After Late Payments? Introduction to Mortgage Applications Applying for a mortgage can be a daunting task, especially if you have late payments on your credit record. Understanding the mortgage application process and how late payments affect it...