Buy to Let vs. Residential Mortgage: What’s the Difference?
If you’re exploring your mortgage options, you might be wondering: what’s the difference between a buy-to-let (BTL) mortgage and a residential mortgage? While these two mortgage types share some similarities, they serve very different purposes and come with distinct requirements. In this guide, we’ll walk you through the key differences, explain how buy-to-let mortgages work, […]
New Year, New Home: Tips for First-Time Buyers
The New Year is the perfect time to make a fresh start — and for many, that means taking the plunge into buying your first home. It’s an exciting milestone, but let’s be honest: it can also feel a bit overwhelming. Don’t worry! I’ve put together some friendly, down-to-earth tips to help you kickstart your […]
Getting a Mortgage with Defaults: Your Comprehensive Guide
If you have defaults on your credit file, the idea of getting a mortgage might feel overwhelming. However, it’s not impossible. There are lenders who specialise in helping people with bad credit, including defaults, CCJs, or even Debt Management Plans, get on the property ladder. This guide will explain what defaults are, how they affect […]
Remortgage with Poor Credit – The Facts
Are you thinking about a remortgage? Are you unsure what that term means? Are you worried your credit score may let you down or even prevent you from remortgaging altogether?
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We’ve made it our mission to help as many people as possible find their perfect mortgage, specialising in helping people with a bad credit history or previous credit issues – we think everyone deserves a chance to remortgage or own their dream home! Difference between going direct to a lender and seeking the advice of […]
Applying for a mortgage with a CCJ
Finding a mortgage can be especially difficult if you have an adverse credit score. A CCJ, IVA or defaults (any missing payments) on your credit file can put some lenders off. Although high street lenders are unlikely to consider you for a mortgage with any CCJ’s (County Court Judgements) there are still bad credit mortgage […]
Mortgages, even with bad credit
Poor credit ratings can be a huge barrier when trying to get a mortgage. Luckily there are brokers such as Clever Mortgages who can help you secure a bad credit mortgage when you are looking at buying a house. We have help 1000’s of customers, just like you with bad credit, achieve cheaper mortgage payments. […]
Can you get a mortgage with debt?
Many people who are in debt automatically assume they won’t be eligible for a mortgage. This isn’t always the case and you should still have a chance to take out a mortgage if you have debts. However, if your existing or previous debt has had a negative impact on your credit rating, then it can […]
Bad Credit Remortgage
If you’ve got a mortgage you might be able to make huge savings each month by remortgaging, even if you’ve got bad credit
Can I Get A Mortgage With Bad Credit?
If you’re worried about getting a mortgage with bad credit, rest assured we help customersevery day just like you. Here we’ll cover: How we helped a customer who’d had an IVA to get a mortgage and get on the property ladder How we could help, by knowing which mortgage lenders accept bad credit applications Why […]
Can I Get A Mortgage With Poor Credit?
When you apply for a mortgage, the lender tries to predict your reliability for making your repayments responsibly, based on the way you’ve acted in the past. To do this, they look at lots of different data that’s stored on your credit file. This might include how many applications for credit you’ve made recently, how […]
Ways to improve your credit score
A poor credit history can complicate things when trying to get a mortgage. Many mortgage providers won’t lend to someone who has suffered from bad credit regardless of their situation now. If you’ve been unsuccessful in getting a mortgage then you should work to improve your credit score.