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This could be a very costly error
Stop paying for searches too early as you could be throwing money into the air. Get your mortgage approved first, then spend on searches once you know the lender's on board. #badcreditmortgagespecialist #mortgagebroker #mortgagebrokeruk #mortgagetips #propertytips
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Pay day loans and mortgages don’t mix well
Payday loans are a massive no-no if you’re planning to get a mortgage. Lenders see them as a red flag, even if they’re fully repaid. Avoid them, build stability, and protect your chances of approval. #badcreditmortgagespecialist #mortgagebrokeruk #mortgageadviceuk #badcreditmortgage #a
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Stop guessing!
Stop guessing how much deposit you’ll need. Download your credit report and speak with a broker who actually understands bad credit — that’s how you get real answers and real results. #badcreditmortgagespecialist #mortgagebrokeruk #mortgageadviceuk #firsttimebuyeruk #propertytips
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Top 3 bad credit mortgage lenders for October
My top 3 lenders in October — the ones making real moves for people with bad credit, low deposits and tricky circumstances. If you’re serious about getting approved before the end of the year, you need to know who’s actually lending. #badcreditmortgagespecialist #mortgagebrokeruk #mortgagead
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Let’s turn that NO into a YES!
We’ve helped clients with a CCJ for a parking fine, unpaid utility bills, missed mortgage payments and even those with an IVA satisfied just 3 years ago, all getting mortgages with as little as a 5% deposit. If they did it, you can too. #badcreditmortgagespecialist #mortgagebrokeruk #mortgag
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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2026 checklist for success
If you want to buy a house in 2026, start preparing now, check your credit file, clear any missed payments, manage your bank accounts properly, and build a consistent income record. The sooner you start, the easier the approval. #badcreditmortgagespecialist #mortgagebrokeruk #mortgageadviceu
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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This happens far too often
When a client ghosts you for another broker, then comes back begging for help after their deal falls apart… Don’t waste time learning the hard way, get it done right the first time. #mortgagebrokeruk #badcreditmortgagespecialist #mortgageadviceuk #mortgagebroker #propertytips
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Waiting could cost you thousands
Waiting for your credit to improve before getting a mortgage might sound smart, but it could end up costing you more. Lenders look at your overall financial conduct, not just your score. With the right strategy and broker, you might already qualify without waiting months or years. #badcreditmortga
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Keep your bank accounts tidy
Your bank statements can get you in trouble, even if your credit score looks perfect. Lenders look at how you manage money, not just your balance. Regular gambling, unplanned overdrafts, or bounced payments can all raise red flags. Keep your statements clean for at least 3–6 months before applying.
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

ถูกใจ 1 ครั้ง

Avoid these 3 things
Here are the top 3 things that could get your mortgage application declined. 1️⃣ Missed or late payments — lenders check your credit conduct closely. 2️⃣ Unexplained transactions or poor account management — your statements tell a story. 3️⃣ Inconsistent income or undeclared earnings — lenders n
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Short answer is ‘YES’
One of my least favourite questions — “Can I get a mortgage in 2 years time?” The truth is, you don’t. Most people just need around 6 months of clean, consistent finances before applying. Keep your accounts tidy, avoid new credit, and show stable income. It’s about preparation, not waiting years.
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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This is why we ask for your adverse explanation
Why are adverse explanations so important? Because lenders don’t just look at your credit history — they look at the story behind it. A clear explanation can turn a decline into an approval. #badcreditmortgagespecialist #mortgagebrokeruk #badcreditmortgage #mortgageadviceuk #adversemo
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Stop asking me this
Stop asking how much you should be declaring to HMRC, that’s not my job. Lenders work off what’s declared, not what you say you earn. My job is to find a lender that fits your situation, not to help you bend the rules. #badcreditmortgagespecialist #mortgagebrokeruk #mortgageadviceuk #self
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Acceptable income sources
It’s not just your 9–5 income that counts. Lenders consider different income sources. Second jobs, bonuses, commissions, self-employed earnings, even certain benefits. The key is proving it consistently. #badcreditmortgagespecialist #mortgagebrokeruk #mortgageadviceuk #selfemployedmortgag
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Bad credit does always mean higher interest rates
Most people think that having bad credit automatically means high interest rates — but that’s not true. The right lender, the right explanation, and the right broker can make a huge difference. It’s about your profile, not just your score. #badcreditmortgagespecialist #mortgagebrokeruk #badc
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

ถูกใจ 1 ครั้ง

Are these sabotaging your mortgage chances?
Credit cards, phone bills, and Klarna might look small — but they can secretly ruin your mortgage chances. #badcreditmortgagespecialist #mortgagebrokeruk #badcreditmortgage #mortgageadviceuk #mortgagebroker
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

ถูกใจ 2 ครั้ง

3 magic ingredients for a mortgage application
There are 3 magic ingredients to a successful mortgage application — clean bank statements, consistent income, and a clear credit history. Get these right, and you’ll make lenders say yes. #badcreditmortgagespecialist #mortgagebrokeruk #mortgageadviceuk #firsttimebuyeruk #propertytips
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

ถูกใจ 1 ครั้ง

Septembers top 3 lenders
My top 3 lenders this month are the ones making a real difference for clients with bad credit. Each month I’ll share who’s saying yes when others say no. #badcreditmortgagespecialist #mortgagebrokeruk #badcreditmortgage #mortgageadviceuk #adversemortgageadvisors
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Affordability update
🚨 Affordability update! Lenders are becoming more flexible again — some have raised their borrowing limits and relaxed criteria. If you were declined earlier this year, it might be worth checking again. DM AMA Mortgage for a free affordability check 🔍 #MortgageUpdate #AMAMortgage #Mort
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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This months wrongun
Every month we see some wild mortgage mistakes — here are this month’s Wrong’uns. Don’t end up in next month’s episode 😅 #badcreditmortgagespecialist #mortgagebrokeruk #mortgageadviceuk #badcreditmortgage #mortgagebroker
Bad Credit Mortgage Guy

Bad Credit Mortgage Guy

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Bad Credit Mortgage Guy
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Bad Credit Mortgage Guy