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Is Getting a Mortgage After a Payday Loan Possible? Yes, it is possible to get a mortgage after using a payday loan. But, as with most things in life, the path is often complex. Payday loans are short-term, unsecured loans that are usually repaid when you receive your next paycheque. They’re often used as a […]

Can I Get a Mortgage After Bankruptcy? Yes, it is possible to get a mortgage after bankruptcy. Now, we won’t sugarcoat it – it does introduce certain complexities.  But let’s put to rest the notion that bankruptcy is a financial end to your dreams of owning a home. When it comes to bankruptcy, lenders can […]

Can I Get a Mortgage With Missed Payments? Yes, it’s possible to get a mortgage even if you have a history of missed payments. But, it may be more difficult, and you may need to put in more work to qualify. As mentioned earlier, missed payments can make you look like a risky borrower to […]

What Do Joint Mortgage Lenders Look For? When applying for a joint mortgage, understanding the lender’s viewpoint can be significantly helpful. They look at a variety of factors, and these factors contribute to the size of the mortgage you may be granted. The list of factors includes: The size of the deposit you can afford […]

Debt Relief Order Explained A Debt Relief Order (DRO) is a form of help provided to individuals with low income and minimal assets who cannot repay their debts. It’s a helping hand from the UK government to those swamped with debt.  It essentially provides a break, usually for 12 months, during which your creditors can’t […]

How Does a Debt Management Plan Work? A debt management plan (DMP) is a way to help people manage their debts more effectively. It works by reducing the amount you owe into manageable monthly payments, which can help you regain control of your finances. A DMP can be a lifeline for people who feel their […]