You’re a first-time buyer dreaming of owning your own home, but there’s one hiccup—you’ve never had a credit card, a loan, or anything that builds your credit history. Maybe you’ve always avoided debt or relied on cash and debit cards. Now that you’re ready for a mortgage, you’re realising lenders might see your blank credit […]
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How To Get a Mortgage With No Credit History in the UK?
How To Get a Mortgage With a CCJ in the UK? A Guide
A County Court Judgement (CCJ) can make it harder to borrow money, especially for big things like a mortgage. It’s a black mark on your credit file that stays for six years, which can feel like a long time. It’s easy to feel stressed and confused. You might worry about money, overthink everything, or struggle […]
How To Get a Mortgage With a Default? A Comprehensive Guide
Obtaining a mortgage with a default can frequently lead to rejections. Especially when approaching mainstream lenders who usually demand good credit histories. But, this doesn’t imply that this is an impossible task. There exist mortgage providers that are open to applications from individuals with defaults. These specialist lenders are better aligned to serve those confronted […]
How To Get a Mortgage After Repossession? A Complete Guide
Repossession can leave a mark—not just on your credit file but on your confidence too. You might be holding back from applying for a mortgage because you’re worried about being turned down. It’s hard to know who to trust or where to begin. And you’re worried lenders will only see your past mistakes. Don’t worry—it’s […]
What Happens on a Mortgage Credit Check? A Complete Guide
Imagine walking into a bank or mortgage institution, and they already have an insight into your financial habits. That’s precisely what a credit history does—it paints a picture of your financial reliability. So, when you knock on the doors of a mortgage lender, they’ll closely study this ‘picture’ to see how reliable you’ve been with […]
How To Get Mortgages After Payday Loans in 2024? A Guide
In today’s quick-paced world, payday loans offer a prompt solution for those facing financial crunches. But, what consequences might these short-term loans have if you intend to secure a mortgage soon? The connection between payday loans and mortgage applications isn’t black and white. Various factors can always influence the outcome. These variables can range from […]
