Is no credit bad credit?

No credit record and bad credit can be considered two sides of the same coin. [Is no credit bad credit?]( Call us on: [01473 356 284](tel:01473 356 284) No credit record and bad credit can be considered two sides of the same coin. It is reasonable to think that if you haven’t had [bad credit]( or used any credit, then you should be in a better position when applying for a mortgage. So, to mortgage [lenders]( this is not the case. Lenders need to be able to see your behaviour in your borrowing to help them make a decision on granting a mortgage. However, if there is no behaviour to review then they will consider you an unknown quantity, and a higher risk when borrowing money. While this may seem unfair, there are several steps you can take to create and nurture a healthy credit history, [our expert advisors]( are able to help you every step of the way! Please [get in touch]( if you have any questions! [alt_text]( [Use our free mortgage calculators below – no credit checks!]( [alt_text]( [Right to Buy discount calculator]( Fill out a few details to see how we could help you achieve a mortgage [alt_text]( [Bad Credit Mortgage Calculator]( Fill out a few details to see if you are eligible for a Bad Credit Mortgage. [alt_text]( [Mortgage Affordability Calculator]( Complete your income details to give yourself an idea of how much you could borrow. [Can I get a Right to Buy mortgage with bad credit?]( It is completely possible to obtain a [Right to Buy mortgage]( if you have bad credit. Although, it can make the process slightly more complex. You will have to check the options available to you from the selection of specialist lenders in the market, you can [speak with our advisors]( to find out more! Having [bad credit]( when trying to obtain a [Right to Buy mortgage]( is not ideal, but how a lender responds will be influenced by multiple factors such as: - How much money was involved in the credit event(s) - The amount of time that has passed since the incident - How you have managed your credit recently [Get in touch]( with our advisors today to find out more about [Right to Buy mortgages with bad credit!]( [Speak to a member of our team]( Follow Us [alt_text]( [alt_text]( [alt_text]( [alt_text]( [01473 356 284](tel:01473 356 284) [justmortgagebrokers.co.uk]( Just Mortgage Brokers Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Just Mortgage Brokers Limited. Registered Company number: 08389911. Registered office: 22-24 High Street, Needham Market, Ipswich, IP6 8AP YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. July 2024 [Unsubscribe](