:root{--hm-brand:#1abc9c;--hm-soft:#eafaf7;--hm-ink:#1c2833;--hm-ink-d:#0f171d;--hm-muted:#5d6d7e}.hm-button-row{text-align:center;margin-top:20px}.hm-button-row .et_pb_button_module_wrapper{display:inline-block;margin:0 0.4rem 1rem}.hm-button-row .et_pb_button{background:var(--hm-brand)!important;color:#fff!important;padding:0.5em 1.6em!important;font-size:16px;font-weight:600;border:none!important;border-radius:20px!important;box-shadow:0 2px 6px rgba(0,0,0,.1);transform:scale(1);transition:all .2s ease;text-transform:none}.hm-button-row .et_pb_button:hover{background:#17a48a!important;transform:scale(1.05);box-shadow:0 5px 12px rgba(0,0,0,.15);color:#fff!important}@media (max-width:767px){.hm-button-row .et_pb_button_module_wrapper{display:block;margin:.6rem auto}}@media (min-width:981px){.et_pb_menu .sub-menu{display:block;flex-direction:column;min-width:320px;background:#fff;padding:10px 0;box-shadow:0 8px 20px rgba(0,0,0,.08);border-radius:4px;z-index:9999}.et_pb_menu .sub-menu li{display:block}}@media (max-width:980px){.mobile_nav .et_mobile_menu>li.menu-item-has-children{border-bottom:1px solid #eef2f3}.mobile_nav .et_mobile_menu>li.menu-item-has-children>a{display:block;position:relative;padding-right:42px;cursor:pointer}.mobile_nav .et_mobile_menu ul.sub-menu{display:none!important;max-height:0;overflow:hidden}.mobile_nav .et_mobile_menu>li.hm-open>ul.sub-menu{display:block!important;max-height:1000px}.mobile_nav .et_mobile_menu>li.menu-item-has-children>ul.sub-menu a{font-weight:400;padding:12px 16px 12px 28px}.mobile_nav .et_mobile_menu>li.menu-item-has-children>a:after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);font-weight:700}.mobile_nav .et_mobile_menu>li.menu-item-has-children.hm-open>a:after{content:"-"}}@media (min-width:981px){.et_pb_menu .et_pb_menu__menu>nav>ul.et-menu{display:flex;flex-wrap:nowrap;align-items:center;gap:0}.et_pb_menu .et-menu>li>a{white-space:nowrap;display:inline-block;padding-left:12px;padding-right:12px;line-height:1.2;font-size:16px}.et_pb_menu .et-menu>li{white-space:nowrap;margin:0}.et_pb_menu .et_pb_menu__logo-wrap{max-width:180px}.et_pb_menu .et_pb_menu__logo img{max-height:48px}}@media (min-width:1100px) and (max-width:1250px){.et_pb_menu .et-menu>li>a{padding-left:10px;padding-right:10px}}#main-content .container::before{display:none!important}.single-post #sidebar{display:none!important}.single-post #left-area{width:100%!important;padding-right:0!important}.single-post #main-content .container{max-width:1280px;padding-left:24px;padding-right:24px}.single-post #main-content .et_builder_inner_content .et_pb_row{width:100%!important;margin:0 auto!important}.single-post #main-content .et_builder_inner_content .et_pb_row.hm-header{max-width:880px!important}.single-post #main-content .et_builder_inner_content .et_pb_row.hm-body{max-width:1180px!important}@media (max-width:767px){.single-post #main-content .container{max-width:none;width:100%;padding-left:12px;padding-right:12px}}.single-post .et_post_meta_wrapper h1.entry-title{font-weight:800;font-size:clamp(30px,5vw,46px);line-height:1.15;margin:10px auto 2px!important;text-align:center;color:var(--hm-ink-d)}.single-post .et_post_meta_wrapper .post-meta{text-align:center;margin:-2px auto 12px;font-size:14px;color:var(--hm-muted)}.hm-author-pro{display:flex;align-items:center;justify-content:center;gap:16px;margin:0 0 8px!important;font-size:15px;color:var(--hm-ink-d)}.hm-author-pro .photo{width:64px;height:64px;border-radius:50%;object-fit:cover}.hm-author-pro .name{font-weight:700}.hm-author-pro .role{font-size:14px;color:#667085}.hm-author-pro .date{font-size:13px;color:var(--hm-muted)}.hm-author-pro .fca-chip{background:var(--hm-soft);color:var(--hm-brand);font-size:13px;font-weight:600;padding:3px 10px;border-radius:999px}.hm-author-pro .fca-chip:hover{background:var(--hm-brand);color:#fff}@media (max-width:600px){.single-post .et_post_meta_wrapper h1.entry-title{margin:6px auto 0!important;font-size:clamp(22px,6vw,28px)}.hm-author-pro{flex-direction:column;gap:12px;margin:4px 0 6px!important;text-align:center}.hm-author-pro .photo{width:56px;height:56px}}.hm-blog-list .et_pb_ajax_pagination_container,.hm-blog-list .et_pb_posts{display:grid!important;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:32px}.hm-blog-list article.et_pb_post{background:#ffffff;border-radius:18px;border:1px solid #e5e7eb;box-shadow:0 10px 25px rgba(15,23,42,0.06);overflow:hidden;display:flex;flex-direction:column;height:100%;position:relative;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.hm-blog-list article.et_pb_post:hover{transform:translateY(-4px);box-shadow:0 16px 35px rgba(15,23,42,0.10);border-color:#d1d5db}.hm-blog-list article.et_pb_post .et_pb_image_container,.hm-blog-list article.et_pb_post .entry-featured-image-url{margin:0;padding:0;width:100%;height:220px;overflow:hidden;position:relative}.hm-blog-list article.et_pb_post .et_pb_image_container img{width:100%;height:100%;object-fit:cover;display:block}.hm-blog-list article.et_pb_post .entry-title,.hm-blog-list article.et_pb_post .post-meta,.hm-blog-list article.et_pb_post .post-content{padding-left:20px;padding-right:20px}.hm-blog-list article.et_pb_post .entry-title{margin-top:16px;margin-bottom:6px;line-height:1.3;font-size:18px;font-weight:700}.hm-blog-list article.et_pb_post .entry-title a{text-decoration:none;color:var(--hm-ink-d)}.hm-blog-list article.et_pb_post .entry-title a:hover{text-decoration:underline}.hm-blog-list article.et_pb_post .post-meta{font-size:14px;color:#6b7280;margin-bottom:12px}.hm-blog-list article.et_pb_post .post-content{display:flex;flex-direction:column;flex:1}.hm-blog-list article.et_pb_post .post-content p{font-size:15px;line-height:1.55;margin-bottom:16px;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}.hm-blog-list article.et_pb_post .more-link{margin-top:auto;margin-bottom:20px;margin-left:20px;margin-right:20px;display:inline-flex!important;align-items:center;justify-content:center;padding:9px 18px;background:var(--hm-brand)!important;color:#ffffff!important;border-radius:999px;font-weight:600;font-size:13px;text-decoration:none!important;border:none!important}.hm-blog-list article.et_pb_post .more-link:hover{background:#159e84!important}@media (max-width:1024px){.hm-blog-list .et_pb_ajax_pagination_container,.hm-blog-list .et_pb_posts{gap:24px}}@media (max-width:767px){.hm-blog-list .et_pb_ajax_pagination_container,.hm-blog-list .et_pb_posts{grid-template-columns:1fr;gap:20px}.hm-blog-list article.et_pb_post .entry-title,.hm-blog-list article.et_pb_post .post-meta,.hm-blog-list article.et_pb_post .post-content{padding-left:16px;padding-right:16px}.hm-blog-list article.et_pb_post .more-link{margin-left:16px;margin-right:16px}}David Baaye
CeMAP Mortgage Adviser
FCA Regulated
Reviewed & Updated:Sep 25,2025
This page has been reviewed by a CeMAP-qualified mortgage adviser at Honest Mortgages to ensure accuracy for specialist and bad credit mortgage enquiries.
.hm-author-slim{display:flex;align-items:center;gap:14px;padding:10px 0 0;margin-bottom:10px}.hm-author-slim .photo{width:48px;height:48px;border-radius:100%;object-fit:cover;border:2px solid #1abc9c}.hm-author-slim .meta{display:flex;flex-wrap:wrap;align-items:center;gap:6px 10px;font-size:14px}.hm-author-slim .name{font-weight:700;color:#1c2833}.hm-author-slim .role{color:#5d6d7e}.hm-author-slim .fca-chip{background:#1abc9c;color:#fff!important;padding:2px 8px;border-radius:4px;font-size:11px;text-decoration:none!important}.hm-author-slim .subline{color:#6b7c8c;font-size:12px}