--- title: "Mortgage in Principle Bad Credit — UK Specialist Guide | First Rung Now" description: "Mortgage in principle with bad credit in the UK: which specialist lenders issue an MIP for adverse credit, soft vs hard searches, and what an MIP actually ..." lang: en-GB json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "First Rung Now", "url": "https://firstrungnow.com", "logo": { "@type": "ImageObject", "url": "https://firstrungnow.com/logo-512.png", "width": 512, "height": 512 }, "description": "Independent UK mortgage education and broker matching service.", "address": { "@type": "PostalAddress", "addressCountry": "GB" } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "First Rung Now", "url": "https://firstrungnow.com" }, { "@context": "https://schema.org", "@type": "Article", "headline": "Mortgage in Principle with Bad Credit", "description": "Mortgage in principle with bad credit in the UK: which specialist lenders issue an MIP for adverse credit, soft vs hard searches, and what an MIP actually confirms.", "author": { "@type": "Organization", "name": "First Rung Now" }, "publisher": { "@type": "Organization", "name": "First Rung Now", "url": "https://firstrungnow.com" }, "mainEntityOfPage": "https://firstrungnow.com/mortgage-in-principle-bad-credit", "datePublished": "2026-06-15", "dateModified": "2026-06-15", "inLanguage": "en-GB" }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://firstrungnow.com/" }, { "@type": "ListItem", "position": 2, "name": "Bad Credit Mortgages", "item": "https://firstrungnow.com/bad-credit-mortgages" }, { "@type": "ListItem", "position": 3, "name": "MIP with Bad Credit", "item": "https://firstrungnow.com/mortgage-in-principle-bad-credit" } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Can I get a mortgage in principle with bad credit?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Specialist UK lenders issue mortgage in principle decisions for borrowers with CCJs, defaults, missed payments and discharged bankruptcies. The MIP confirms the lender's appetite at indicative criteria before a full application." } }, { "@type": "Question", "name": "Does a bad credit MIP harm my credit score?", "acceptedAnswer": { "@type": "Answer", "text": "Most specialist lenders use a soft credit search at MIP stage, which doesn't show on your file for other lenders. A few use a hard search — your broker should confirm before submitting." } }, { "@type": "Question", "name": "How long does a bad credit mortgage in principle take?", "acceptedAnswer": { "@type": "Answer", "text": "Usually 24–72 hours, longer than a high-street MIP (which can be instant) because specialist lenders manually review adverse credit. Some lenders return decisions within hours; others can take a week." } }, { "@type": "Question", "name": "How long is a bad credit MIP valid for?", "acceptedAnswer": { "@type": "Answer", "text": "Typically 30–90 days. If you haven't found a property and submitted a full application within that window, you'll need to refresh the MIP — usually a quick rerun rather than a fresh underwrite." } }, { "@type": "Question", "name": "Will an MIP guarantee me a mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "No. An MIP is an indicative offer based on stated information. The full application is underwritten against documentary evidence and may be declined or repriced if anything material differs from what was stated." } }, { "@type": "Question", "name": "Should I get more than one MIP with bad credit?", "acceptedAnswer": { "@type": "Answer", "text": "Avoid hard-search MIPs from multiple lenders — multiple footprints in a short period can damage your file. A broker should narrow you to one specialist lender via soft-search criteria research before any MIP is submitted." } }, { "@type": "Question", "name": "Why do DIPs get declined even with specialist lenders?", "acceptedAnswer": { "@type": "Answer", "text": "Common reasons include undisclosed adverse credit discovered on the file, income that doesn't match stated figures, a deposit that can't be evidenced, a property type the lender won't accept, or the adverse being too recent or too high in value for the lender's current risk appetite." } } ] } ] --- [Skip to content](#main) [London 020 8088 2997 ](tel:02080882997)[National 0333 567 1185 ](tel:03335671185) [![First Rung Now](/assets/logo-mark-CNo3p3DP.png) First Rung Now UK Mortgage Guides ](/) - Mortgages - Remortgages - Buy To Let - Bad Credit - Calculators - Guides - [Find a Broker](/find-a-mortgage-broker) - [About](/about) [London 020 8088 2997 ](tel:02080882997)[National 0333 567 1185 ](tel:03335671185) [Speak to a Vetted Broker](/find-a-mortgage-broker) 1. [Home](/) 2. [Bad Credit Mortgages](/bad-credit-mortgages) 3. MIP with Bad Credit UK Mortgage Guide # Mortgage in Principle Bad Credit: How It Works A mortgage in principle is the standard opening move in any UK property purchase — a lender's written indication that they would, in principle, advance a specific sum given the income and circumstances you've declared. For anyone with adverse credit on file, the process follows the same basic path but the lender shortlist is different, the turnaround is slower, and the soft-versus-hard-search question becomes genuinely important. First Rung Now Editorial Updated 15 June 2026 7 min read On this page 1. [Key takeaways](#key-takeaways) 2. [What a mortgage in principle actually is](#what-a-mortgage-in-principle-actually-is) 3. [Soft search versus hard search: why it matters](#soft-search-versus-hard-search-why-it-matters) 4. [The specialist lender panel for adverse-credit MIPs](#the-specialist-lender-panel-for-adverse-credit-mips) 5. [Why decision in principles get declined](#why-decision-in-principles-get-declined) 6. [How brokers pre-qualify adverse-credit applicants](#how-brokers-pre-qualify-adverse-credit-applicants) 7. [What happens between MIP and formal mortgage offer](#what-happens-between-mip-and-formal-mortgage-offer) 8. [Pros](#pros) 9. [Cons](#cons) 10. [Speak with a vetted mortgage broker about mortgage in principle with bad credit](#speak-with-a-vetted-mortgage-broker-about-mortgage-in-principle-with-bad-credit) 11. [Steps to a clean bad-credit MIP](#steps-to-a-clean-bad-credit-mip) 12. [Frequently asked questions](#frequently-asked-questions) 13. [Can I get a mortgage in principle with bad credit?](#can-i-get-a-mortgage-in-principle-with-bad-credit) 14. [Does a bad credit MIP harm my credit score?](#does-a-bad-credit-mip-harm-my-credit-score) 15. [How long does a bad credit mortgage in principle take?](#how-long-does-a-bad-credit-mortgage-in-principle-take) 16. [How long is a bad credit MIP valid for?](#how-long-is-a-bad-credit-mip-valid-for) 17. [Will an MIP guarantee me a mortgage?](#will-an-mip-guarantee-me-a-mortgage) 18. [Should I get more than one MIP with bad credit?](#should-i-get-more-than-one-mip-with-bad-credit) 19. [Why do DIPs get declined even with specialist lenders?](#why-do-dips-get-declined-even-with-specialist-lenders) 20. [Related guides](#related-guides) 21. [Bad Credit Mortgages Hub](#bad-credit-mortgages-hub) 22. [Does an MIP Include Your Deposit?](#does-an-mip-include-your-deposit) 23. [Bad Credit Mortgage Checker](#bad-credit-mortgage-checker) ### Bad credit — related reads Specialist lenders for adverse-credit borrowers. - [Bad credit mortgage checker Place your situation on the lender severity scale and see what a specialist will accept. ](/bad-credit-mortgage-checker) - [Bad credit second mortgage Secured second charges as an alternative to remortgaging when credit has slipped. ](/bad-credit-second-mortgage) - [Bad credit with a large deposit How a 25%+ deposit unlocks rates adverse-credit borrowers thought were closed. ](/mortgage-with-bad-credit-but-large-deposit) - [Contractor mortgages with bad credit Day-rate and limited-company contractors: which specialist lenders will look at you. ](/mortgages-for-contractors-with-bad-credit) - [Poor credit mortgage lenders The specialist UK lenders most willing to price recent adverse credit. ](/poor-credit-mortgage-lenders) Explore the hubs [Mortgages explained](/mortgages)[Remortgages](/remortgages)[Buy-to-let mortgages](/buy-to-let)[Bad credit mortgages](/bad-credit-mortgages)[Mortgage calculators](/mortgage-calculators)[All mortgage guides](/mortgage-guides)[Find a mortgage broker](/find-a-mortgage-broker) ## Key takeaways - Specialist lenders issue MIPs for CCJs, defaults, IVAs, missed payments and discharged bankruptcies. - Most specialist MIPs use soft credit searches — no footprint visible to other lenders. - Turnaround is 24–72 hours, not the instant decisions high-street lenders produce. - An MIP is indicative only — full application can still be declined or repriced. - A broker should pre-qualify your profile against lender criteria before any MIP is submitted. ## What a mortgage in principle actually is Want a vetted broker to help with What a mortgage in principle actually is? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) The mortgage in principle goes by several names — agreement in principle (AIP), decision in principle (DIP), and occasionally just an MIP — and the terminology is used interchangeably across the industry. In substance it's the same thing: a written indication from a lender that they would, based on the information you've provided, be willing to lend you a specific amount against a property yet to be identified. It's not a binding mortgage offer. It doesn't lock in a rate. It doesn't commit the lender to anything beyond a statement of indicative appetite. What an MIP does provide is credibility in the estate agent ecosystem. UK estate agents routinely ask for an MIP before progressing an offer to a vendor — it's the agent's way of filtering out buyers who haven't checked their borrowing position. A vendor accepting an offer from a buyer with an MIP has some confidence the deal won't collapse at the finance stage. Without one, even cash-rich buyers can find agents reluctant to take offers off market. On a clean-credit case, the MIP process is often automated and nearly instantaneous — a lender runs a soft credit check, feeds in the stated income and deposit, and the system spits out an indicative decision in seconds. On a bad-credit case, no automated underwriting system is going to approve the application. Instead, the specialist lender routes the case through manual review: a real underwriter looks at the credit profile in detail — types of adverse, amounts, dates, resolution status, time since — before deciding whether to issue the MIP and at what loan amount. ## Soft search versus hard search: why it matters Bad credit · keep reading - [Bad credit mortgage checker Place your situation on the lender severity scale and see what a specialist will accept. ](/bad-credit-mortgage-checker) - [Bad credit second mortgage Secured second charges as an alternative to remortgaging when credit has slipped. ](/bad-credit-second-mortgage) Browse the full hub: [Bad credit mortgages](/bad-credit-mortgages) Want a vetted broker to help with Soft search versus hard search: why it matters? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) The single most important technical point for any adverse-credit applicant approaching the MIP stage is understanding the difference between a soft credit search and a hard credit search, and ensuring their broker is protecting them accordingly. A soft credit search — also called a quotation search or soft footprint — allows a lender to review a summary of your credit file sufficient for an MIP decision, but leaves no trace that other lenders can see. When you check your own credit file, you see soft searches listed. Other lenders running their own checks do not. Soft searches cannot damage your credit score and cannot be read as signals of financial distress or desperation to borrow. A hard credit search is a full credit check that leaves a visible footprint on your file for twelve months. Every lender who subsequently reviews your file can see that Company X ran a hard search on you on a specific date. One hard search is unremarkable. Two or three in a short period — especially where no mortgage offer followed — reads as a pattern of applications being declined, and it actively hardens underwriting decisions at subsequent lenders. You can find yourself in a spiral: early hard-search declines make later lenders more cautious, which leads to more applications, which creates more footprints, which makes you look increasingly desperate. Most specialist adverse-credit lenders now offer soft-search MIPs as standard: Pepper Money, Vida Homeloans, Bluestone Mortgages, Kensington Mortgages and Precise Mortgages all use soft searches at DIP stage. A small number still use hard searches — and your broker must confirm which before submitting anything. The safest approach is for your broker to run criteria-only research first (no credit check at all, just matching your profile to lender credit grids) before deciding which single lender is the strongest fit and submitting one targeted MIP. ## The specialist lender panel for adverse-credit MIPs Want a vetted broker to help with The specialist lender panel for adverse-credit MIPs? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) The UK specialist mortgage lending market is intermediary-only — you cannot walk up to these lenders directly and ask for a decision in principle. They transact exclusively through FCA-authorised mortgage brokers, and their products don't appear on comparison websites or high-street broker portals. This isn't an accident; it's a deliberate model that allows specialists to maintain underwriting quality by ensuring cases are prepared and pre-screened before they land on an underwriter's desk. The active panel for adverse-credit MIPs includes Pepper Money, Kensington Mortgages, Vida Homeloans, Bluestone Mortgages, Precise Mortgages (part of Accord), MBS Lending, Together Money, The Mortgage Lender (TML), Buckinghamshire Building Society and Kent Reliance (part of OneSavings Bank). Each lender has a distinct credit risk appetite — their tolerance for different types of adverse, different time periods since adverse, different satisfaction statuses — and understanding those differences is the core specialist knowledge a good broker brings. Pepper Money, for instance, has a tiered product range (Pepper 6, Pepper 12, Pepper 24 and so on) reflecting the age of the most recent adverse on a borrower's file. A borrower with a default satisfied over two years ago lands in a different tier from one with a CCJ registered six months ago. Vida Homeloans is known for pragmatism on self-employed income combined with adverse credit. Bluestone is often competitive for borrowers with historic mortgage arrears where conduct has been clean for the past twelve to twenty-four months. Knowing which lender's credit grid your situation maps to is the broker's first — and most valuable — job. ## Why decision in principles get declined Bad credit · keep reading - [Bad credit with a large deposit How a 25%+ deposit unlocks rates adverse-credit borrowers thought were closed. ](/mortgage-with-bad-credit-but-large-deposit) - [Contractor mortgages with bad credit Day-rate and limited-company contractors: which specialist lenders will look at you. ](/mortgages-for-contractors-with-bad-credit) Browse the full hub: [Bad credit mortgages](/bad-credit-mortgages) Want a vetted broker to help with Why decision in principles get declined? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) A DIP decline from a specialist lender is more significant than a decline from a high-street lender, because the specialist was supposed to be the lender willing to engage with your profile. Understanding why these declines happen — and preventing them — is what separates effective adverse-credit brokers from those who spray applications and hope. The most common reason a specialist DIP declines is undisclosed adverse credit. Applicants frequently underestimate or misremember the extent of their credit problems. A missed payment on a mobile phone contract three years ago, now registered as a default with a credit reference agency, can be invisible to the applicant but plainly visible on the file. When the stated profile doesn't match the credit file, even specialist lenders baulk — not because the adverse is necessarily disqualifying in itself, but because the discrepancy raises honesty concerns. The solution is straightforward: pull all three statutory credit reports (Experian, Equifax and TransUnion) before speaking to any lender, go through them line by line with your broker, and disclose everything proactively. The second common cause is adverse that's too recent. Most specialist lenders have minimum time-since-adverse requirements. A CCJ registered in the last six months will be declined by almost every lender on the panel regardless of amount. A default satisfied eighteen months ago might pass at one lender and fail at another. Time is the most powerful healer in adverse-credit cases, and if your adverse is very recent, the honest advice from a good broker might be to wait six to twelve months, keep your credit conduct clean in the meantime, and apply when your profile has aged into a more favourable bracket. Income documentation mismatches are the third major cause. An MIP is issued on stated income. The full application is verified against payslips, P60s, SA302 tax calculations, bank statements and employer references. If the documented income comes in lower than what was stated — because bonuses weren't guaranteed, because self-employed profit fluctuated, because the applicant included income they don't actually receive — the full application can fail even though the MIP was granted. Your broker should build the MIP on income you can fully evidence, not on an optimistic projection. ## How brokers pre-qualify adverse-credit applicants Want a vetted broker to help with How brokers pre-qualify adverse-credit applicants? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) The most effective adverse-credit brokers don't start by submitting an MIP. They start with a thorough, private pre-qualification process that maps the borrower's specific credit profile against each lender's published and unpublished credit criteria, identifies the most probable lenders, estimates the likely rate tier, and only then approaches the most suitable lender with a single well-prepared MIP submission. This process typically begins with the broker reviewing your credit reports alongside you — ideally a three-in-one report from a service like CheckMyFile that shows all three agencies simultaneously. They'll categorise each adverse entry: type (default, CCJ, missed payment, IVA, bankruptcy), amount, registration date, satisfaction status, and satisfaction date. Some adverse items can be challenged and removed if they've been recorded incorrectly — this is worth doing before any application. The broker then maps your profile against lender credit grids. These grids — which are effectively matrices of adverse type, amount and age against the lender's appetite — aren't always publicly available in full. Specialist brokers build their knowledge of these grids through years of case placements, direct lender relationships, and ongoing training. That accumulated knowledge is the practical value they deliver: steering you to Lender A rather than Lender B because Lender A accepts satisfied defaults up to £3,000 within 24 months while Lender B requires 36 months of clear conduct. Once the most likely lender is identified, the broker prepares the MIP submission with full context — a credit narrative explaining the adverse circumstances (redundancy, relationship breakdown, illness, or simply financial mismanagement that has since been corrected), supporting evidence where possible, and an income picture built on fully documentable figures. A well-prepared MIP submission to the right lender, on the first attempt, with a soft search, is the goal. ## What happens between MIP and formal mortgage offer Bad credit · keep reading - [Poor credit mortgage lenders The specialist UK lenders most willing to price recent adverse credit. ](/poor-credit-mortgage-lenders) - [First-time buyer with adverse credit How first-time buyers with credit issues get onto the ladder in 2026. ](/first-time-buyer-adverse-credit-mortgages) Browse the full hub: [Bad credit mortgages](/bad-credit-mortgages) Want a vetted broker to help with What happens between MIP and formal mortgage offer? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) Receiving an MIP is the beginning of the process, not the end. The full application stage is where the MIP's indicative approval is tested against documentary reality. Several things can derail a case between MIP and formal offer even at specialist lenders: - **Additional adverse discovered:** if the full-application hard search reveals adverse items not visible on the soft-search summary, or items the applicant failed to disclose, the underwriter may reprice or decline. - **Affordability divergence:** bank statements revealing committed expenditure (subscription services, gambling, BNPL arrangements) that wasn't declared can reduce the lender's assessed affordability. - **Valuation shortfall:** if the property values below the agreed purchase price, the effective LTV rises — which may push the case into a higher rate tier or breach the lender's maximum LTV for an adverse-credit case. - **Employment changes:** starting a new job, moving from employed to self-employed, or entering a probation period between MIP and offer can change the income the lender is willing to accept. - **Product withdrawal:** specialist lenders can withdraw or reprice products quickly. If rates move between MIP and formal offer, the product used for the MIP calculation may no longer be available. A good broker monitors all of these variables throughout the process and communicates proactively. The period between MIP and formal offer on a specialist adverse-credit case can take four to twelve weeks, depending on survey turnaround, legal complexity and lender workload — maintaining open communication throughout is essential. ### Pros - Confirms which specialist lenders will engage with your adverse credit profile. - Most specialist MIPs use soft searches — no visible credit footprint. - Required by UK estate agents and vendors before they'll accept and progress an offer. - Surfaces your maximum borrowing ceiling before you commit to a property search. - Gives you and your broker a detailed picture of your case before full underwriting begins. ### Cons - Not a binding mortgage offer — full application can still be declined. - Hard-search MIPs from multiple lenders leave damaging footprints on your file. - Adverse-credit MIPs take 24–72 hours or longer — not the instant decisions the high street produces. - Valid only 30–90 days; must be refreshed if you haven't found a property in time. - A poorly prepared MIP submission to the wrong lender wastes time and risks leaving adverse footprints. Vetted UK Broker Match ### Speak with a vetted mortgage broker about mortgage in principle with bad credit Free, no-obligation introduction to an FCA-regulated adviser with experience in your specific scenario. We've done the due diligence so you don't have to. - FCA-regulated only - Typical reply in 1 working day - No upfront fees [Match me with a broker](/find-a-mortgage-broker) ## Steps to a clean bad-credit MIP Want a vetted broker to help with Steps to a clean bad-credit MIP? Free FCA-regulated introduction. We carefully check the broker matches your scenario — no pressure, no upfront fees. [Match me with a broker](/find-a-mortgage-broker) 1. Pull your three statutory credit reports — Experian, Equifax and TransUnion — ideally via CheckMyFile or similar. Don't rely on one agency alone. 2. Work through every entry with your broker. Challenge any incorrect or outdated entries with the relevant credit reference agency before any MIP is submitted. 3. Settle unsatisfied defaults and CCJs where you can afford to — satisfaction doesn't remove the entry, but unsatisfied adverse is treated significantly more harshly. 4. Gather your income documentation in advance: last three months' payslips, last two years' P60s, or SA302 tax calculations and accountant's reference if self-employed. 5. Work with a specialist broker — not a comparison site or general high-street adviser — who actively places cases with the specialist lender panel. 6. Confirm the broker is using soft-search criteria matching before any MIP submission, and that only one MIP will be submitted initially. 7. Disclose everything. The adverse credit is already on the file. Undisclosed additional adverse is far more damaging than the original adverse itself. Your home may be repossessed if you do not keep up repayments on a mortgage. This guide is for general information only and does not constitute regulated financial advice. We are not FCA authorised advisers. Always speak to a qualified, whole-of-market mortgage adviser before making any borrowing decisions, particularly where adverse credit is involved. ## Frequently asked questions ### Can I get a mortgage in principle with bad credit? ### Does a bad credit MIP harm my credit score? ### How long does a bad credit mortgage in principle take? ### How long is a bad credit MIP valid for? ### Will an MIP guarantee me a mortgage? ### Should I get more than one MIP with bad credit? ### Why do DIPs get declined even with specialist lenders? ## Related guides [ ### Bad Credit Mortgages Hub How UK specialist lending works. Read guide ](/bad-credit-mortgages)[ ### Does an MIP Include Your Deposit? MIP basics for first-time buyers. Read guide ](/mortgage-in-principle-deposit)[ ### Bad Credit Mortgage Checker Place yourself on the severity scale. Read guide ](/bad-credit-mortgage-checker) First Rung Now Independent UK mortgage education and broker matching. We don't sell mortgages — we help you understand them, then connect you with vetted advisers. Brokers are FCA-regulated [hello@firstrungnow.com](mailto:hello@firstrungnow.com) ### Hubs - [Mortgages](/mortgages) - [Remortgages](/remortgages) - [Buy To Let](/buy-to-let) - [Bad Credit Mortgages](/bad-credit-mortgages) - [All Calculators](/calculators) - [All Guides](/mortgage-guides) - [Find a Broker](/find-a-mortgage-broker) ### Calculators - [Affordability Calculator](/calculators/affordability) - [Repayment Calculator](/calculators/repayments) - [Loan-to-Value (LTV) Calculator](/calculators/borrowing) - [Remortgage Savings Calculator](/calculators/remortgage) - [First-Time Buyer Calculator](/calculators/first-time-buyer) - [Buy-to-Let Calculator](/calculators/buy-to-let) - [Home Equity Calculator](/calculators/equity) - [Stamp Duty Calculator](/calculators/costs) - [Overpayment Calculator](/calculators/overpayments) - [Rent vs Buy Calculator](/calculators/comparison) - [Self-Employed Calculator](/calculators/specialist) - [Fixed-Rate Expiry Calculator](/calculators/refinance) - [Salary to Mortgage Calculator](/calculators/income) - [Rental Yield & ROI Calculator](/calculators/investment) ### Bad credit & specialist - [Bad Credit Mortgage Checker](/bad-credit-mortgage-checker) - [Poor Credit Mortgage Lenders](/poor-credit-mortgage-lenders) - [Remortgage with Bad Credit](/remortgage-with-bad-credit) - [Bad Credit + Large Deposit](/mortgage-with-bad-credit-but-large-deposit) - [Contractor Bad-Credit Mortgages](/mortgages-for-contractors-with-bad-credit) - [First-Time Buyer Adverse Credit](/first-time-buyer-adverse-credit-mortgages) - [MIP with Bad Credit](/mortgage-in-principle-bad-credit) ### Buy-to-let & bridging - [Best HMO Mortgage Lenders](/best-hmo-mortgage-lenders) - [Holiday Let Mortgages](/holiday-let-mortgages-best-rates) - [Limited Company BTL](/landlord-misconceptions-limited-company-btl) - [BTL Houses Sheffield](/buy-to-let-houses-sheffield-mortgage) - [BTL Interest-Only Calculator](/buy-to-let-interest-only-calculator) - [Bad Credit Bridging Loan](/bad-credit-bridging-loan) - [Bridging Loans for Bad Credit](/bridging-loans-for-bad-credit) ### Rates, rules & circumstances - [Fixed vs Tracker](/fixed-vs-tracker-mortgage) - [Tracker vs Fixed (Rates)](/tracker-vs-fixed-mortgage) - [Does MIP Include Deposit?](/mortgage-in-principle-deposit) - [House Buying Timeline](/house-buying-timeline) - [Two Residential Mortgages](/two-residential-mortgages) - [Parent–Child Joint Mortgage](/parent-child-joint-mortgage) - [Spouse Visa Mortgages](/mortgage-lenders-for-spouse-visa-uk) - [RIO Mortgage Calculator](/retirement-interest-only-mortgage-calculator) - [Overpay Mortgage or Pension](/overpay-mortgage-or-pension) © 2026 First Rung Now. Educational content — not financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage. [About](/about)· [Privacy](/privacy-policy)· [Terms](/terms)· First Rung Now is not a broker. We connect users with FCA-regulated mortgage advisers. [Match me](/find-a-mortgage-broker)[Call Us](tel:03335671185)