Mortgages after late payments

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Can I get a mortgage after a late payment?

Yes, you can get a mortgage with late payments on your credit file!

Late payments are pretty common. A lot of people miss payments or don’t pay them on time accidentally. And a lot of specialist mortgage brokers and lenders understand that. 

When it comes to late payments, there’s a difference between forgetting to pay on time, and being unable to pay on time. A late payment isn’t the same as a missed payment or arrears. A late payment is just that: a payment that you did make, you just didn’t make it on time. This difference is important for understanding how it affects your credit file.

For example, maybe you were due to make a minimum payment on your credit card on the 7th of the month, but it was just before you got paid, and so you paid it  on the 14th; seven days late. This won’t be marked by your credit card company as a late payment in most instances, because the payment’s been made before the next one is due. A creditor can only report a late payment if the balance is outstanding 30 days after it’s due.

If you’re worried about how your late payments have affected your credit file, talk to a specialist mortgage broker who’ll have experience in helping people in your situation. They’ll help you understand your options, and will know the right specialist lenders to approach. Find a broker.

Got questions?

Are late payments the same as missed payments or arrears?

What are the different types of late payments?

Can I remove a late payment from my credit file?

Will I be able to get a mortgage if I have multiple late payments on my credit file?

Do I need a larger deposit if I have made late payments in the past?

Do late payments mean that you have bad credit?

How long do late payments stay on your credit file?

Should I improve my credit score before applying for a mortgage?

How can I improve my credit score before getting a mortgage?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

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Ben Patten

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Luke Grosse

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Sarah Earnshaw

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Yogesh Parekh

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Jemma Talliss

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Paul Clark

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Lynn Cutts

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Steve Hatton

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Jeanette Clark

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Carrie Knight

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Jonathan Hunting

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Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

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