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Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5:30pm Saturday 9am - 5pm

My Mortgage Specialist

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My Mortgage Specialist

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We specialise in finding the right mortgage for your unique circumstances, no matter how complex!

Here at My Mortgage Specialist we understand that no two peoples circumstances are the same, and that it's therefore vitally important that you get connected to the right individual broker geared to help you. We work with a network of extremely knowledgeable and experienced brokers who have access to the whole of the market, and who have been in the industry long enough that there is nothing they haven't seen or worked with before. No matter what your circumstances, if there's a solution out there for you, our brokers can find it. Whether you have complex income, bad credit history, unusual properties, the list goes on!

03/11/2026

If you have a default on your credit file, the next step is not to panic or apply everywhere and hope for the best.

The better step is to understand how lenders may look at it.

A default can affect your mortgage options, but it does not always mean every lender will say no. What matters is the detail.

Before applying again, it is worth checking:
• when the default was registered
• whether it has been satisfied
• how much it was for
• what type of account it related to
• how much deposit you have
• whether the mortgage looks affordable now
• what your credit conduct has been like since

This is where specialist mortgage advice can help. The aim is not to promise approval, but to help you understand what may be realistic before another application is made.

If you have a default and you are unsure what it means for your mortgage options, message My Mortgage Specialist to talk through your circumstances.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

02/11/2026

Had a default from a few years ago and wondering whether it could affect a mortgage application?

Defaults can be taken into account by lenders, but timing may matter.

A default from several years ago may be viewed differently from a recent credit issue, especially if it has been settled and your finances have been managed more steadily since.
That does not mean an old default will be ignored.

Lenders may still look at the amount, when it was registered, whether it has been satisfied, your deposit, income, affordability and wider credit history.

The important thing is to understand how your situation may be viewed before applying.
If you have an old default on your credit file and want to know what may be realistic, speak to My Mortgage Specialist before making an application.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

31/10/2026

Your credit problems happened several years ago. Will they still affect a mortgage application today?

They may still form part of the assessment, but a lender may also want to understand what your finances look like now.

That can include:
• how long ago the credit issue happened
• how your credit has been managed since
• your current debts and financial commitments
• your income and employment
• how much deposit you have
• your overall affordability

Historic credit problems and recent financial difficulties may not always be viewed in the same way.

If your circumstances have improved since the credit issue occurred, speak to a specialist mortgage adviser and find out what may be possible before applying.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

30/10/2026

🎬 AN UNWELCOME VISITOR… 👀

Every office has its challenges… but we weren't expecting THIS one! 😱

When an ordinary day at My Mortgage Specialist takes an unexpected turn, things get a little… spooky. 👻

Forget mortgage nightmares, this one is a whole different level! 😂

We've had some fun getting into the Halloween spirit this year, so grab your popcorn, turn up the volume and see what happens when an unwelcome visitor paid us a visit…

🎃 Happy Halloween from all of us at My Mortgage Specialist!

28/10/2026

You got an Agreement in Principle, but the full mortgage application was later declined. How can that happen?

An Agreement in Principle is usually an initial assessment, not a final mortgage decision.
When the full application is reviewed, a lender may look more closely at:

• your full credit history
• income and supporting documents
• existing debts and commitments
• affordability
• the property you are buying
• whether everything meets their full lending criteria

That means information discovered later in the process can sometimes change the outcome.
If you have been declined after getting an Agreement in Principle, avoid simply applying to another lender without understanding why.

Speak to a specialist mortgage adviser first and find out what may be possible.
Your home may be repossessed if you do not keep up repayments on your mortgage.

26/10/2026

If your credit history is not perfect, what does a mortgage underwriter actually look at?

It is rarely just one number or one entry on your credit file.

They may consider:
• the type of credit issue
• when it happened
• how serious it was
• how your finances have been managed since
• your deposit
• your income and overall affordability

That is why two people who appear to have similar credit histories may still have very different circumstances.

If you are worried about what an underwriter may see, speak to a specialist mortgage adviser before applying.

Your home may be repossessed if you do not keep up repayments on your mortgage.

23/10/2026

🎉🎈Woo Hoo!! 🎈🎉

Thank you soooo much to everyone who has joined our merry meander through the weird and wonderful world of mortgages!!

Tell your friends to follow along for more :
🏡 Mortgage and property tips
💡 Useful updates and guidance
🤩 Funny office antics

23/10/2026

Had payday loans, missed payments or defaults in the past?

A mortgage lender may want to understand more than simply whether they appear on your credit file.

They may look at:

• what type of credit issue you had
• when it happened
• how often it happened
• whether outstanding debts have been repaid
• how you have managed credit since
• your current deposit, income and affordability

A historic credit problem may be viewed differently from ongoing or recent financial difficulty.

The details matter, so get advice before assuming your past credit history means the answer will be no.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

11 Park Lane Business Centre, Park Lane
Nottingham
NG60DW

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm
Saturday	9am - 5pm

Telephone

+441159755544

Website

http://www.mymortgagespecialist.co.uk/

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