My Mortgage Specialist

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My Mortgage Specialist 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!

If your credit history is not perfect, what does a mortgage underwriter actually look at?It is rarely just one number or...
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.

🎉🎈Woo Hoo!! 🎈🎉 Thank you soooo much to everyone who has joined our merry meander through the weird and wonderful world o...
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

Had payday loans, missed payments or defaults in the past?A mortgage lender may want to understand more than simply whet...
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.

Your credit score has improved. Is that enough to get a mortgage?A stronger score can be positive, but mortgage lenders ...
21/10/2026

Your credit score has improved. Is that enough to get a mortgage?

A stronger score can be positive, but mortgage lenders may look beyond the number itself.

They may also consider:
• what caused previous credit problems
• how recent they were
• whether any defaults or CCJs have been satisfied
• how your credit has been managed since
• your deposit, income and affordability

Your credit score is one part of the picture, not the whole mortgage application.

If your credit history has improved and you are thinking about buying, speak to a specialist mortgage adviser to understand what may be possible.

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

One of you has had an IVA. Does that mean you cannot get a mortgage together?It is not always that simple.A mortgage len...
19/10/2026

One of you has had an IVA. Does that mean you cannot get a mortgage together?
It is not always that simple.

A mortgage lender may look at:

• when the IVA finished
• how credit has been managed since
• the other applicant’s credit history
• your combined income and affordability
• your deposit
• your wider financial circumstances

Different lenders can have different criteria, so an IVA on one applicant’s credit history does not necessarily tell you what the outcome will be.

If you are planning to buy together, get advice before applying so you can understand which options may be realistic.

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

16/10/2026

📢 🥳RED CARPET VISITOR 🥳 📢

The lovely Gina from Pepper Money came to see us this week, to catch us up on all the great work they're doing to help customers with adverse credit, which you know is where we shine, too! ✨

We couldn't let her go without asking her our hot topics, and this week we thought we'd do this with a Quick Fire Quiz...

A huge thanks to Gina for coming in, she was fab 🤩

Follow along to see more!!

Your credit was fine when you took out your current mortgage, but things have changed since.So what happens when your cu...
16/10/2026

Your credit was fine when you took out your current mortgage, but things have changed since.

So what happens when your current deal comes to an end?

If you have had missed payments, defaults, a CCJ or other credit problems since taking out the mortgage, a new lender may want to understand:

• what happened
• how recent the credit issues are
• your current income and affordability
• how much equity you have in the property
• how your finances have been managed since

A change in your credit history does not automatically mean you cannot remortgage, but your options may be different from the last time you applied.

Speak to a mortgage adviser before making any decisions so you can understand what may be possible.

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

Your IVA has finished, but it is still showing on your credit file. Does that automatically mean you cannot get a mortga...
14/10/2026

Your IVA has finished, but it is still showing on your credit file. Does that automatically mean you cannot get a mortgage?

Not necessarily.

A mortgage lender may want to look at:

• when the IVA started and finished
• how your credit has been managed since
• whether there have been any further credit issues
• how much deposit you have
• your income and overall affordability

The fact that an IVA still appears on your credit file is only one part of the assessment.
Some specialist lenders may consider applicants with a previous IVA, depending on the full circumstances and lender criteria.

If you are thinking about applying, it can be worth checking what may be possible first.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Self-employed with adverse credit?A mortgage lender may need to understand both your income and your credit history.They...
12/10/2026

Self-employed with adverse credit?

A mortgage lender may need to understand both your income and your credit history.
They may look at things such as:

• how long you have been trading
• how your income is evidenced
• whether your earnings are sustainable
• the type and timing of any credit issues
• your deposit and overall affordability

Some specialist lenders may consider more complex self-employed cases, but the answer depends on your individual circumstances.

Before assuming the answer is no, find out what may be possible.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Three defaults on your credit file?The number of defaults can matter, but it is not necessarily the only thing a mortgag...
09/10/2026

Three defaults on your credit file?

The number of defaults can matter, but it is not necessarily the only thing a mortgage lender may consider.

They may also look at:
• when the defaults were registered
• the amounts involved
• whether they have been satisfied
• how your credit has been managed since
• your deposit, income and affordability

That is why two people with the same number of defaults could have very different mortgage options.

If you are unsure where you stand, speak to a specialist mortgage adviser before applying.
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

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