If you're struggling with debt, you may be considering an IVA as a way to get back on track. An IVA is a formal agreement between you and your creditors that allows you to repay your debts over a…
Guarantees aren’t possible in the world of mortgage lending. No mortgage lender or broker will give you guaranteed approval with bad credit – or excellent credit for that matter. Until your…
Mortgage applications are a necessary part of the home buying process, but they can also affect your credit score. Here we discuss everything you need to know about a mortgage application credit…
Mortgage declined. It's a phrase that strikes fear into the hearts of many applicants. If you're one of them, don't worry — you're not alone. Every day, people are turned down for mortgages for all…
If you rely on benefits for a portion of your income, it’s not uncommon to worry about whether you’ll be able to get a mortgage. Fortunately, getting a mortgage on benefits does not have to be as…
If you’re self-employed, getting a mortgage can seem like a complicated process, and coupled with bad credit, can seem almost impossible. But the good news is, even if you’re a self-employed person…
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…
