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Adverse credit mortgages: improving your application
Adverse credit does not always prevent you from getting a mortgage. It does, however, mean you need a clear plan and realistic expectations.
Steps to take before applying
- Review your credit report for accuracy
- Pay down outstanding unsecured debts where possible
- Save for a larger deposit to reduce risk
- Demonstrate stable income and employment
Explain the story behind the numbers
Many lenders want to understand the context behind missed payments or defaults. Having a clear explanation helps.
If you need adverse credit mortgage advice, Divine Harvest Mortgages & Protection can explain your realistic options.