I can't get a mortgage
Guides for when you've been declined or can't get approved — credit issues, income problems, and what to do next.
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The best first guide for this situation.
Mortgages for Bad Credit: What Score Do You Actually Need?
Find out what credit score you really need for a UK mortgage. We cover minimum scores, specialist lenders, and how to improve your chances.
Credit issues
Mortgages for Bad Credit: What Score Do You Actually Need?
Find out what credit score you really need for a UK mortgage. We cover minimum scores, specialist lenders, and how to improve your chances.
Buy Now Pay Later and Mortgages: The Klarna Problem
How BNPL services like Klarna, Clearpay, and PayPal affect UK mortgage applications now that they report to credit agencies.
Getting a CCJ Set Aside: When and How
How to get a CCJ set aside in the UK. When you can apply, the court process, costs involved, and how it affects your credit file and mortgage prospects.
Credit Builder Cards and Tools: What Actually Works Before a Mortgage
Which credit builder cards, rent reporting tools, and strategies actually improve your chances of getting a UK mortgage.
Income problems
Agency Worker Mortgages: Temp Staff Mortgage Options
Can agency workers get a mortgage in the UK? Yes — here's how lenders assess temp staff income, what documentation you need, and which lenders are most flexible.
CIS Mortgages: Getting a Mortgage on Construction Industry Scheme Income
CIS mortgage UK — how lenders assess gross vs net CIS income, which lenders accept it, documentation needed.
Contractor Mortgages: Day Rate vs Annual Accounts
How UK contractors can get a mortgage using day rate or annual accounts. Understand lender criteria, documentation needed, and specialist options.
Freelancer Mortgage: How Lenders Assess Multiple Client Income
How do mortgage lenders assess freelancer income from multiple clients? Learn about SA302s, IR35, income evidence, and which UK lenders are freelancer-friendly.
After rejection
Mortgage Declined at Underwriting: Why It Happens After AIP
Mortgage declined at underwriting after getting an AIP? Why it happens, what went wrong, and how to recover and get approved.
Your Lender Is Leaving the Market: What Happens to Your Mortgage
What happens when your mortgage lender stops lending, gets bought, or leaves the UK market. Your rights, your options, and what changes.
Mortgage Arrears: The Actual Timeline Before Repossession
What actually happens when you fall behind on mortgage payments. The real timeline, your rights, lender obligations, and how to stop repossession.
Mortgage Offer Expired: What to Do When Time Runs Out
Mortgage offer expired before completion? What happens next, how to extend it, and what to do if you need a completely new application.
Niche situations
Interest-Only Mortgages: Who Still Offers Them?
Who still offers interest-only mortgages in the UK? Understand the criteria, repayment vehicles needed, and alternatives for residential borrowers in 2026.
Specialist Lender Criteria: What Changed This Month
Monthly tracker of UK specialist mortgage lender criteria changes. Stay updated on which lenders have loosened or tightened their rules in March 2026.
Mortgage with Neurodivergent Spending Patterns
ADHD, autism, and other neurodivergent conditions can affect spending patterns. How UK mortgage lenders assess bank statements and what you can do.
Mortgage After a Failed Business or Liquidation
Can you get a UK mortgage after a failed business, liquidation, or company dissolution? Understand the timeline, what lenders consider, and your options.
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