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Can I Get a Bad Credit Mortgage in Northern Ireland? Yes, though it does come with its own set of hurdles. Similar to the rest of the UK, your credit history might show some old wounds that can make getting a mortgage in Northern Ireland a bit of a challenge. But don’t despair! The situation […]

If you’ve ever tried applying for a mortgage without a credit history, you’ll understand it’s a bit of a tricky process. But what does it mean to have no credit history? In a nutshell, having no credit history means you have no records of any previous borrowing. This can be problematic when applying for a […]

A County Court Judgement (CCJ) can bring a series of changes to your life. It could immediately make it difficult for you to access credit, particularly mortgages, and leave a mark on your credit file for six years. This experience often leads to a new level of financial vigilance. You might find yourself under more […]

What is a Default? A default occurs when a borrower fails to meet the legal obligations of a loan, often by not making the required payments. But, this situation is not just limited to mortgage loans. Here are a few examples of how defaults can occur: Each of these instances results in a default, which […]

Can you get a mortgage after Repossession? Yes. While it may be challenging due to adverse credit history, getting a mortgage after repossession is certainly not an impossible task. What you need to understand is that every lender operates under different rules. High-street lenders might say no, but that doesn’t mean the door is closed. […]

What is a Mortgage Credit Check? A mortgage Credit Check is an assessment conducted by a lender to evaluate your creditworthiness or how likely you are to repay the mortgage loan.  Lenders do this by examining your credit history, which includes your past borrowing behaviour and any outstanding debts. There are two types of credit […]