Yes, you can still get a mortgage even if you have a default on your credit record, but it can be harder.
Defaults happen when you miss payments on a debt, and they stay on your record for six years. Some lenders specialise in lending to people with bad credit, including those with defaults. However, you might face higher interest rates and stricter terms.
Before applying for a mortgage with a default, it’s essential to address any outstanding debts and work on improving your credit score as much as possible.
Additionally, seeking advice from mortgage advisers who specialise in bad credit mortgages can help you understand your options and find lenders willing to work with your situation.
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