Your credit file and credit report are very significant when looking for a mortgage. Having a poor credit score or defaults, CCJS or missed payments on your credit file could make it…
Typically, someone with bad credit won’t have access to as large a pool of lenders and products as someone with great credit. This means you may be limited to higher interest rates and have to meet…
If you have a CCJ (county court judgement) against you, it can make getting a mortgage more difficult. Many high-street lenders will not approve mortgages for people who have CCJs, and those that do…
A bad credit history doesn't mean a mortgage is out of reach. There are bad credit mortgage lenders who can cater to people with bad credit, but many of them aren't directly available to…
If you've gone through bankruptcy and come out the other side, you'll know that it's a complex process that will seriously impact your credit status. You may now be wondering what your options are…
If you're looking to apply for a mortgage or any other kind of credit, it's good to calculate your affordability and risk before you apply. Before agreeing to lend to you, lenders will look at…
Buying a house with a shared ownership mortgage can be the path toward home ownership for people who cannot get a mortgage for 100% of a property's cost. However, it can be a challenge to get any…
If you’re a council tenant living in England, you may have considered buying your home through the Right to Buy scheme. If you're worried that your bad credit history will prevent you from…
Your credit score is one of the most important factors when it comes to getting a mortgage as a first-time buyer or previous homeowner in the UK. A high credit score will help you get a lower…
With more and more people working as contractors, it makes sense that lenders have taken steps to better cater to this demographic. Nonetheless, when working as a contractor is combined with…
