How Mortgage Lenders Assess Historic Defaults

Blog

A mortgage with historic defaults is not assessed in the same way as an application involving recent missed payments or … Read MoreHow Mortgage Lenders Assess Historic Defaults

A mortgage decline from a bank can make a building society feel like the obvious next step. Sometimes it is. … Read MoreBank or Building Society: Which Is Better for a Mortgage?

A contractor mortgage day rate can be the starting point for a much stronger application than your payslips alone might … Read MoreHow Mortgage Lenders Assess Contractor Day Rates

A mortgage application can look affordable on paper but still pause at the bank statement stage. This is where an … Read MorePreparing Your Bank Statements for a Mortgage Application

For many employees, overtime is a regular part of their monthly income rather than an occasional bonus. It can make … Read MoreHow Mortgage Lenders Assess Overtime Income

Paying off a County Court Judgment is a significant step forward, but it does not always mean mortgage applications become … Read MoreCan You Get a Mortgage With a Satisfied CCJ?

A lot of credit-impaired buyers focus on the credit issue first and the deposit second. In practice, the two are … Read MoreHow Much Deposit Do You Need with Bad Credit?

If you need to borrow more money, remortgaging is often the first option people think about. However, it is not … Read MoreWhen Is a Second Charge Loan Better Than Remortgaging?

If your partner has bad credit, it is easy to assume the mortgage application should simply go in your name … Read MoreCan I Get a Mortgage If My Partner Has Bad Credit?

If you are wondering how to fix credit report before mortgage applications, timing matters more than most people realise. A … Read MoreHow to Prepare Your Credit Report Before Applying for a Mortgage