What types of bad credit do mortgage lenders look at?

Lenders may check for things like:

  • Missed or late payments
  • Defaults or CCJs (County Court Judgments)
  • Debt management plans
  • Individual Voluntary Arrangements (IVA)
  • Previous bankruptcy (if discharged)

Not all lenders treat these issues the same, so having bad credit doesn’t automatically mean you’ll be declined.

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