Bad Credit Mortgage Blog & Guides (UK)
Clear, jargon-free mortgage advice from UK specialists. Browse tips for first-time buyers, bad credit applicants, remortgagers and Shared ownership, plus tools and calculators to plan your next move.
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My Fixed Rate Is Ending but I Have Bad Credit – What Should I Do? (2026 Guide)
If your fixed rate mortgage is ending and your credit isn’t perfect, you’re probably worried about what happens next.
The good news is:
You still have options.
The bad news is:
If you leave it too late, you can end up stuck on a very expensive variable rate.
Let’s break it down properly so you know exactly what to do.
Can You Get a Mortgage with Gambling Transactions in 2026?
This is one of the biggest misconceptions in the mortgage market right now.
A huge number of people assume that if a lender sees gambling transactions on their bank statements, the mortgage is automatically declined.
That simply is not true.
At Honest Mortgages, we regularly help clients who have gambling transactions showing on their statements, including:
Can I Remortgage If I’ve Missed Mortgage Payments? (2026 Guide)
If you’ve missed mortgage payments, remortgaging is still possible. But your options depend heavily on how recent the missed payments are, how many there were, and whether your account is now stable.
This is one of the most common situations I deal with, and the truth is simple:
You’re not stuck, but you’re not getting normal mortgage options either.
Can You Get a Mortgage Later in Life? Buying a Property in Your 50s, 60s or Even 70s
A huge number of people wrongly assume that once they reach their late 50s or early 60s, getting a mortgage becomes impossible.
In reality, that simply is not true anymore.
At Honest Mortgages, we regularly help clients secure mortgages later in life, including:
Can I buy my rented property from my landlord with no deposit?
Potentially, yes. If the landlord sells the property below market value, the discount may be treated as gifted equity and used as some or all of the deposit. You will still normally need funds for legal fees, valuation costs, broker fees and any stamp duty due.
Bad Credit Mortgages in Northern Ireland: Is It Still Possible in 2026?
A lot of people in Northern Ireland assume that having bad credit means getting a mortgage is impossible.
That simply is not true.
Why Was My Mortgage Declined? Common Reasons and What You Can Do Next
Getting declined for a mortgage can be a real knock.
For most people, it comes out of nowhere. You think everything looks fine, you have income coming in, maybe you even have a decent deposit, and then suddenly the lender says no.
The frustrating part is that many people are not told the full reason in plain English.
The good news is that a decline does not always mean you cannot get a mortgage. It often just means the case needs looking at properly, with the right lender and the right timing.
Shared Ownership With Bad Credit: How This Client Got Approved Despite Defaults and a DMP
If you’ve got bad credit and you’ve been told shared ownership isn’t an option, this will sound familiar.
A lot of people come to me after being told no, either by a bank or even by the housing association’s recommended broker.
This was one of those cases.
Shared Ownership Affordability Explained (With Real Numbers)
If you’re looking at shared ownership, one of the first questions you’ll have is:
“How much can I actually afford?”
Most websites don’t give you a clear answer.
They’ll talk about “affordability checks” but won’t show you what that actually means in real terms.
So let’s break it down properly.
