31/10/2026
Happy Halloween 🎃 Let's talk mortgage horror stories... that are actually just myths.
👻 "Bad credit means automatic rejection." Not true. A poor credit history can affect which lenders will consider you and what rate you're offered, but it very rarely closes every door. There are specialist lenders who look at the full picture, not just a score.
👻 "Self-employed means unmortgageable." Not true. Lenders just need to see your accounts or tax returns instead of a payslip, usually the last 2-3 years. It's more paperwork, not a closed door.
👻 "You need a 20% deposit." Not true. Some schemes, including the Mortgage Guarantee Scheme, start from as little as 5% deposit, with the government backing part of the lender's risk.
The real horror story is overpaying, or missing out altogether, because nobody checked your options properly.
WhatsApp us on +44 7908 491971 and let's find out what's actually true for you 🍬
Active Mortgage Solutions LTD is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services LTD which is authorised and regulated by the Financial Conduct Authority.
Active Mortgage Solutions LTD may charge a fee ranging from £0 to £499 for mortgage advice depending on your circumstances.
Your home may be repossessed if you don't keep up with your payments.