Prepare the file
Missed payments on a mortgage file
One late payment and a run of missed payments are different facts. Write down the account, the months and the current status.
What this page will not do
- A payment that was late by a few days may still show. Check the file rather than assuming it does not.
- Clearing the arrears does not rewrite the history.
- It will not name a lender, a product, or an approval chance.
Questions
- Do mortgage arrears count more?
- They are a different fact from a card late payment. This page does not rank them.
- Will you say if three lates is too many?
- No. That would be a lending judgement.
MortgageConnector is a mortgage broker introducer and information service. We do not provide regulated mortgage advice. Where appropriate, we can introduce you to an FCA-authorised mortgage broker who can assess your circumstances and provide advice.
The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.
Your home may be repossessed if you do not keep up repayments on your mortgage.
These figures are illustrative.
An FCA-authorised broker can look at the actual income, credit and property. MortgageConnector introduces you. We do not choose the mortgage.
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