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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...
Mortgages for Discharged Bankrupts 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...
Mortgage for Self Employed with Bad Credit: A Comprehensive Guide Mortgages for self employed with bad credit can feel daunting but it’s far from impossible. Traditional high street lenders often apply strict criteria, relying on automated credit scoring and...
Introduction to Mortgage Challenges Mortgage after using payday loans 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 difficult to get approved...
How to Secure a mortgage with a default. Securing a mortgage with a default on your credit file can seem challenging, but it’s not impossible. A default indicates that you failed to pay a debt, and this can raise concerns for potential lenders. Defaults are a common...
Can I get a mortgage after 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...
At Option Finance, technology doesn’t replace the personal touch—it enhances it. We use smart tools to handle the admin, so our team can focus on what really counts: listening to your story, understanding your needs, and securing the mortgage that’s right for you. Real people. Real support. No shortcuts.
At Option Finance, we specialise in mortgages for complex credit scenarios. Our team works with all major bad credit lenders and has access to exclusive deals that aren’t available on the high street.
Understanding one’s credit report from a credit reference agency can help in securing a mortgage.
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