How can I get a mortgage with bad credit?
Getting a mortgage with bad credit can be challenging, so it’s worth checking your credit report so that you can address any issues before applying.
Building a strong credit history can improve your chances of securing the most competitive mortgage deal.
You can check your credit report for free using one of the main credit reference agencies, For example, Experian and Equifax.
Bear in mind that they may ask you to sign up for a free 30-day trial to access your report, so remember to cancel it within the promotional time period if you don’t want to be subscribed to their monthly paid plan.
Honesty is the best policy
Talking about personal finances can sometimes feel difficult or uncomfortable, particularly if you’re applying for a mortgage with a partner for the first time.
But it's important to be aware and honest about any issues upfront to avoid any surprises later on.
It’s particularly important to be honest with your mortgage broker. This will ensure they approach the most suitable lenders and provide the most suitable advice for your circumstances.