Bad Credit Mortgage Advice & Guides
Expert articles and guides to help you navigate mortgages with adverse credit.
IVA vs Bankruptcy: Which Affects Your Mortgage Chances More?
IVAs and bankruptcy are both routes out of unmanageable debt, but they affect a future mortgage application differently. Here's a clear, side-by-side comparison.
Read the guide →Struggling With Mortgage Arrears? What to Do Before It Gets Worse
Falling behind on your mortgage is frightening, but acting early keeps your options open. Here's exactly what to do first, and when remortgaging can help before it reaches repossession.
Read the guide →Mortgage Application Declined? Here's Exactly What to Do Next
A decline from your own bank feels final, but it usually isn't. Here's what actually happened, what to check first, and how to move forward without making it worse.
Read the guide →What Is a Specialist Mortgage Lender? (And Why You Might Need One)
High-street banks and specialist lenders assess applications completely differently. Here's exactly what a specialist lender is, and when you actually need one.
Read the guide →Debt Consolidation Through Remortgaging: Is It Right for You?
Rolling unsecured debt into your mortgage can lower your monthly outgoings — but it also puts your home behind that debt. Here's how to weigh it up properly.
Read the guide →Undischarged Bankrupt? What You Need to Know Before You Can Apply for a Mortgage
If you're still an undischarged bankrupt, no UK lender will consider a mortgage application yet — but discharge may be closer than you think. Here's what changes, and when.
Read the guide →How to Check Your Credit Score in the UK Before Applying for a Mortgage
Checking your credit score before you apply is the single most useful thing you can do. Here's how to check it for free across all three UK bureaus, and what to look for.
Read the guide →CCJ vs Default: What's the Difference, and Which Is Worse for a Mortgage?
CCJs and defaults are often confused, but lenders treat them differently. Here's exactly what separates them, and what each means for a mortgage application.
Read the guide →Can You Get a Mortgage With a CCJ? What UK Borrowers Need to Know
A CCJ on your credit file does not mean your mortgage chances are over. Find out how specialist lenders assess County Court Judgments and how to get approved.
Read the guide →Mortgages With Defaults: How to Get Approved and What Lenders Look For
Defaults on your credit file make mainstream mortgage applications difficult, but specialist lenders assess them differently. Learn what they look for and how to prepare.
Read the guide →Getting a Mortgage After an IVA or Bankruptcy: A Practical UK Guide
Discharged from bankruptcy or completed an IVA? Homeownership is still achievable. Find out when and how to apply for a mortgage after insolvency.
Read the guide →Mortgages With a Low Credit Score: Your Complete UK Guide
A low credit score does not permanently bar you from getting a mortgage. Learn how specialist lenders look beyond the number to assess your full financial picture.
Read the guide →Getting a Mortgage With Missed Payments: What UK Borrowers Need to Know
Missed payments on your credit file can make mortgage applications harder — but not impossible. Discover how specialist lenders approach missed payment histories.
Read the guide →Self-Employed With Bad Credit: How to Get a Mortgage in the UK
Self-employed with bad credit? You still have mortgage options. Learn how specialist lenders assess self-employed income alongside adverse credit history.
Read the guide →