Skip to content
ghl direct
  • About
    • Company
    • Client feedback
    • Vacancies
    • FAQs
    • Financial Guides
    • Financial Videos
    • News
  • Services
  • Mortgages
    • How To Get A Mortgage
    • First Time Buyers Mortgage
    • Remortgage Advice
    • Moving Home Mortgage
    • Buy To let Mortgages
    • Lifetime Mortgages
    • Conveyancing Steps
  • Insurance
    • Insurance Advice
    • Life Insurance
    • Critical Illness Insurance
    • Income Protection
    • Home Insurance
    • Protection Providers
  • Advisers
  • Contact Us
Book a call
Find adviser
mortgage

Worried about poor credit?

28/01/2025 GHL_ADMIN Comments Off on Worried about poor credit?

Worried about a poor credit score?

The cost-of-living crisis and inflationary pressures has put pressure on people’s finances and made it harder for people to get on the housing ladder due to affordability constraints and more people having a less than perfect credit history.

Gemma is exceptional. She made the mortgage process look very simple, she took her time to explain every stage of the process and carried us along.

– Augustine & Nancy via reviews.co.uk

How important is your credit history for mortgage lenders?

Looking into your credit history is one of the ways in which a mortgage lender will gain information on how reliable you have been at paying back debts and loans in the past. A mortgage lender needs to be confident that you’ll be able to keep up with your repayments across the whole lifetime of the loan.

What if your credit history isn’t perfect?

Don’t worry, if your credit history isn’t perfect, you’re not alone! Many people experience minor setbacks in their credit history at some point. Such as missing a credit card payment, neglecting to pay utility bills on time, or going into an unarranged overdraft. These types of “credit blips” can leave a mark on your credit history but this doesn’t mean you aren’t eligible for a mortgage.

Specialist mortgage support

An expert adviser can assess your financial situation, including your credit history, guide you through the application process and increase your chances of getting approved for a mortgage by finding the most suitable mortgage deal for your circumstances.

We have access to lenders who specialise in working with people with varying credit, whether you’ve had late payments, past debts, or no credit history at all, there are options available for you.

Don’t let a credit blip throw you off track! Get in touch today.

Find a mortgage

Book a no obligation chat today.

Book a call

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 08/04/2024.

  • find a mortgage
  • how to get a mortgage
  • mortgage broker
  • product transfer
  • remortgage
GHL_ADMIN

Post navigation

Previous
Next

Search

Categories

  • insurance (3)
  • mortgage (14)

Recent posts

  • Think insurance companies don’t pay out
    Think insurance companies don’t pay out?
  • your remortgage questions answered
    Your remortgage questions answered
  • How can the Bank of Family support first time buyers?
    How can the Bank of Family support first time buyers?

Tags

bank of mum and dad critical illness insurance find a mortgage first time buyer mrtgage home insurance how to get a mortgage insurance advice insurance adviser insurance broker life insurance mortgage broker Mortgage in principal mortgage rates product transfer remortgage remortgage advice remortgage questions

Continue reading

your remortgage questions answered
mortgage

Your remortgage questions answered

02/10/2025 GHL_ADMIN Comments Off on Your remortgage questions answered

According to the Bank of England, 3.6 million mortgages are set to be renegotiated over the next three years, amounting to 41% of all outstanding home loans.

How can the Bank of Family support first time buyers?
mortgage

How can the Bank of Family support first time buyers?

02/10/2025 GHL_ADMIN Comments Off on How can the Bank of Family support first time buyers?

With gifts and loans from the Bank of Mum and Dad totalling a whopping £9.4bn in 2023, it would be one of the UK’s biggest if it was a real bank or lender.

Product transfer v remortgage
mortgage

Product transfer v remortgage

01/10/2025 GHL_ADMIN Comments Off on Product transfer v remortgage

When your mortgage deal comes to an end, it’s natural to wonder what’s next. Should you stick with your current lender and switch to a new deal—or explore what other providers have to offer?

Appointments
Monday - Friday 08.00 - 19.30
Saturday - Sunday 09.00 - 18.30
Head Office 0845 3700 172
GHL Direct

GHL Direct is a trading style of GHL Network Services Ltd which is an Appointed Representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approved by The Openwork Partnership on 20/01/25. Registered in England no 6705790
Registered Office: Brightfield Business Hub, Bakewell Road, Orton Southgate, Peterborough PE2 6XU.

© Copyright 2025 GHL Direct

  • Terms & Conditions
  • Privacy Policy
  • Data Request