FAQs

Why am I struggling to get a mortgage with 3 missed payments? How long will missed payments affect me getting a mortgage? What happens if you miss or make a late payment? Which missed payments will affect your mortgage application? How long do missed payments affect my credit score? How many missed payments until my account defaults? Difference between late & missed payments? What steps should I take to get a mortgage after bankruptcy? What does bankrupt mean? Can I get a mortgage with bankruptcy in progress? How long after bankruptcy can I get a mortgage? What steps should I take to get a mortgage with an IVA? What is an IVA? How much deposit for shared ownership mortgages with bad credit? Are shared ownership mortgages with bad credit more expensive? Are shared ownership mortgages a good idea? How do shared ownership mortgages work? Can you get a shared ownership mortgage with bad credit? Can you release equity with bad credit? Does equity release affect benefits? How does equity release work when you die? How does equity release work? What is equity release? What steps should I take to get a mortgage after a CCJ? Can I get a mortgage if my CCJ is satisfied? Does a CCJ (County Court Judgment) affect getting a mortgage? Can you get a mortgage with a CCJ? What steps should I take to get a mortgage after defaulting on a commitment?  Can I get a mortgage with a defaulted student loan? Chances of getting a mortgage with defaults? Can you get a mortgage with a default? Can I remortgage after a missed mortgage payment? Will late payments affect my mortgage application? Will missing a mortgage payment affect my credit score? I missed my mortgage payment by one day, what can I do? What steps should I take to get a Right to Buy mortgage if I have bad credit? How much deposit will I need for a Right to Buy mortgage with bad credit? Can I get a Right to Buy mortgage with bad credit? How does a Right to Buy mortgage work if you have bad credit? Can I get a Right to Buy mortgage on benefits? What is a Right to Buy mortgage? How much deposit do I need for bad credit self-employed mortgage? How do bad credit self-employed mortgages work? How much can I borrow for bad credit self-employed mortgages? How many years of accounts do you need for a bad credit self-employed mortgage? What documents do you need for a bad credit self-employed mortgage? What is a transfer of equity? Why should you remortgage? What is debt consolidation? What is a Product transfer? What is a remortgage? Low credit score but no missed payments? How can I increase my credit score? Why is my credit score low if I don’t have any active debts? Why is it difficult getting a mortgage without a credit history? Is there anything I can do to help with my mortgage application without any credit history? Can you get a mortgage with no credit history? How long will a Debt Management Plan (DMP) stay on your Credit report? Getting a mortgage with a Debt Management Plan (DMP)? How does Debt Management Plan (DMP) affect credit score? Can you get a mortgage with a Debt Management Plan (DMP)? What is a Debt Management Plan (DMP)? How long after an IVA can I get mortgage? Will IVA affect my mortgage? Can you get a mortgage with an IVA? Which mortgage lenders accept bankrupts? Can you qualify for a mortgage with a Bankruptcy? How long after a CCJ is registered can I get a mortgage? Can I still get a mortgage with a CCJ or default? The difference between a CCJ and Defaults What is a Default? What is a CCJ? I am from outside the EU and live here on a spousal visa, can I still apply for a mortgage? Can I still get a mortgage if I am from the EU due to Brexit? What is the maximum age I can apply for a mortgage? Are there any lenders that will consider a director who took a minimum salary to reinvest into a growing company? I am self-employed but paid via the CIS scheme do I still have to be trading 12 months? I used to be a sole trader and now I trade under a limited company, would I have to wait 12 months after registration? I am self-employed and have only been trading 12 months can I still get a mortgage? How long do I have to be in my current job before I can apply for a mortgage? Our council tenancy is in joint names with my partner, but I wish to purchase on my own. Is this possible? I had an AIP but was declined at full application due to missed rental payments, are there lenders that will accept this? Can I buy my Right to Buy home whilst I am in a debt management plan? Why am I struggling to find a Right to Buy mortgage when I was discharged from my bankruptcy nearly 2 years ago? I am currently in an IVA can I apply for a Right to Buy mortgage? Can I use the Right to Buy discount as my deposit? Which scheme is better Help to Buy or Shared Ownership? Can I use Help to Buy to purchase a property if I have adverse credit? Are Shared Ownership Mortgages available for people with defaults and CCJ’s? I’m being gifted a deposit by a friend, but my lender will not accept this. Are there any lenders that will? I’m struggling to raise a deposit are guarantors accepted? How much deposit are you likely to need? I have paid off my defaults so why am I still struggling to get a mortgage? Are mortgages possible for people with defaults? Are mortgages possible whilst in a debt management plan? Can I get a mortgage with CCJ’s recorded against me? Can I get a mortgage if I am currently in an IVA? Can I get a mortgage if I have been bankrupt? How long will adverse stay on my credit file? How do I get a mortgage? Are mortgages possible whilst currently in arrears on credit commitments? I have never taken out any credit and as far as I know I have never done anything that would be considered adverse. Why am I struggling to get a mortgage? Can I get a new mortgage if I have had late mortgage payments? What is adverse credit?