Free 2025 Guide
The "Declined to Approved" Roadmap
7 Steps to Fix Your Mortgage Chances After a Bank Says No
Been turned down for a mortgage? You're not alone. Every year, thousands of people with CCJs, defaults, or complex income get approved through specialist lenders. This free guide shows you exactly how.
The 'Notice of Correction' secret that explains your circumstances to lenders
The 3-month spending cleanse - what red flags lenders look for
The Electoral Roll hack that can boost your score by 50+ points
Why specialist brokers see 'human stories' while banks see 'data points'
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What You'll Learn in This Guide
1
The 'Notice of Correction' secret that explains your circumstances to lenders2
The 3-month spending cleanse - what red flags lenders look for3
The Electoral Roll hack that can boost your score by 50+ points4
Why specialist brokers see 'human stories' while banks see 'data points'5
The exact timeline for rebuilding mortgage eligibility after CCJs6
Which lenders consider applications just 1 day after discharge7
Real case studies of clients who went from 'declined' to 'approved'Check Your Credit Report First
Before applying for a mortgage, it's essential to know what's on your credit file. These are the UK's main credit reference agencies:
ExperianFree statutory reportEquifaxFree statutory reportTransUnionFree statutory reportCheckMyFile30-day free trial
We recommend CheckMyFile as it shows data from all three main agencies in one report.
Prefer to Speak to Someone Now?
Our specialist advisers have helped hundreds of people with adverse credit get mortgages. Call us for a free, no-obligation chat.