28/10/2026
Missed a payment?
It could impact your ability to borrow for a mortgage.
Mortgage lenders review your credit history, and even one late payment can raise concerns.
Planning ahead and monitoring your credit score are key steps to staying mortgage ready as mortgages with adverse credit come with fewer options due to which they may attract higher deposit, higher interest.
If you are planning to buy a home in the next 12 months but have concerns over your credit history, please get in touch.
We can look at a range of lenders who may consider your mortgage application now, and if we can’t place your case right now, we can advise you on what steps you need to do to improve your chances for the future.
Your home may be repossessed if you do not keep up repayments on your mortgage.