Mortgage with missed payments

Missed or late payments on your credit file make high-street applications nervous, but they are far from a dead end. Angela has direct access to lenders who accept missed and late payments, and there is no risk in asking: it won't cost you a penny if she can't help.

Start your journey Call 01268 387898

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The distinction that matters

A payment missed entirely
Payments made late
A run of missed payments
Missed payments plus other issues

Missed versus late - and why it matters

A missed payment is one that was not paid at all; a late payment is one settled within a month of the cut-off. Both can affect a mortgage application, but lenders treat them differently - and treat the story behind them differently again.

With direct access to sub-prime and adverse lenders, and regular conversations with their underwriters, Angela matches your file to the lender most likely to accept it, even after a decline elsewhere.

Based in Benfleet, Essex - advising clients across the whole of the UK.

…she gave me a clear plan to improve my credit score…

Aura Hair & Beauty, Google review

Fair questions, straight answers

How much do missed payments hurt a mortgage application?

It depends on how many, how recent, and on what kind of account. Some lenders look past older or one-off misses entirely. The answer for your file specifically is one conversation away.

I've been declined because of missed payments. Now what?

A decline from one lender is not the market speaking. Specialist lenders exist that accept missed and late payments; the job is presenting your case to the right one properly.

Missed a few payments?

Lenders look at when it happened and why. Talk it through with us before you apply anywhere.

Talk it through

Seven quick questions. Nothing touches your credit file.

or call 01268 387898