Articles | Dean Fleming Mortgages

Credit Scores & Reports

Does Klarna Show on Credit File? How BNPL Affects Your Credit Score and Lending Decisions UK

July 21, 2025

Key Takeaways Wondering if using Klarna’s Buy Now Pay Later services affects your credit file? You’re not alone. As BNPL options have become more popular across the UK, many shoppers want to know how these flexible payment plans might influence their creditworthiness. With Klarna now reporting both on-time and missed payments to major credit reference […]

What Is Checkmyfile? A Complete Guide to Your Credit Report

March 28, 2025

Discover how Checkmyfile empowers you to understand and manage your credit report effectively. This article explores the significance of monitoring your credit score, provides insights from major UK credit reference agencies, and highlights Checkmyfile’s unique features.

Does a Student Loan Affect Credit Score? Here’s What You Need to Know in 2025

March 28, 2025

Discover how student loans in the UK impact your credit score. Learn why student loans don’t directly affect your credit report, and find out how managing other financial products like credit cards and overdrafts can help build a strong credit profile for future financial applications.

Refused Mortgage in Principle: What It Means and How to Overcome It

March 21, 2025

Received a refused mortgage in principle? Don’t let it end your home-buying journey. Discover the common reasons for refusals, from credit history to affordability, and explore practical steps to strengthen your financial profile. Learn how to reduce debt, seek expert guidance, and navigate different lenders to improve your chances of securing a mortgage and achieving your dream home.

What is Experian Credit Score? A Complete Guide to Understanding Your Score

March 21, 2025

Understand your Experian credit score and its crucial role in your financial health. Discover how Experian, the leading UK credit bureau, calculates your score based on factors like payment history and credit usage. Learn the benefits of maintaining a good score for securing favourable loans, mortgages, and rentals, and get practical tips to improve your creditworthiness.

Questions

Does Klarna Show on Credit File? How BNPL Affects Your Credit Score and Lending Decisions UK

July 21, 2025

Key Takeaways Wondering if using Klarna’s Buy Now Pay Later services affects your credit file? You’re not alone. As BNPL options have become more popular across the UK, many shoppers want to know how these flexible payment plans might influence their creditworthiness. With Klarna now reporting both on-time and missed payments to major credit reference […]

What Is a Mortgage Underwriter? Role, Process, and What They Check in the UK Explained

July 20, 2025

Key Takeaways Buying a home is one of life’s biggest milestones but getting a mortgage isn’t always straightforward. Behind every mortgage approval sits a key figure you might not even meet: the mortgage underwriter. Their job is to decide if your application ticks all the right boxes and whether the lender should trust you with […]

What Is Mortgage Underwriting? The Complete Guide to the UK Approval Process and Timelines

July 12, 2025

Discover how mortgage underwriting works, from credit and affordability checks to property valuation. Learn what underwriters assess, how long the process takes, and why it’s crucial for loan approval in the UK. Understand key steps for both straightforward and complex mortgage applications.

Can You Overpay Your Mortgage in the UK? Rules, Benefits, and What to Watch Out For

July 3, 2025

Discover the benefits and considerations of overpaying your mortgage in the UK. Learn how overpayments can help reduce your loan term and interest costs, key lender rules, potential penalties, and the importance of balancing extra payments with emergency savings to make the most of your finances.

What Is Checkmyfile? A Complete Guide to Your Credit Report

March 28, 2025

Discover how Checkmyfile empowers you to understand and manage your credit report effectively. This article explores the significance of monitoring your credit score, provides insights from major UK credit reference agencies, and highlights Checkmyfile’s unique features.

How Reliable Is a Mortgage in Principle? Everything You Need to Know

March 28, 2025

Discover how reliable a mortgage in principle (AIP) really is when buying a home. Learn how an AIP clarifies your budget, strengthens your position with sellers, and the factors that influence its dependability, including credit scores and financial stability. Understand the application process and necessary documents to ensure a smooth path to securing your dream home.

Does a Student Loan Affect Credit Score? Here’s What You Need to Know in 2025

March 28, 2025

Discover how student loans in the UK impact your credit score. Learn why student loans don’t directly affect your credit report, and find out how managing other financial products like credit cards and overdrafts can help build a strong credit profile for future financial applications.

Refused Mortgage in Principle: What It Means and How to Overcome It

March 21, 2025

Received a refused mortgage in principle? Don’t let it end your home-buying journey. Discover the common reasons for refusals, from credit history to affordability, and explore practical steps to strengthen your financial profile. Learn how to reduce debt, seek expert guidance, and navigate different lenders to improve your chances of securing a mortgage and achieving your dream home.

What Happens If My Mortgage Offer Expires Before Completion?

March 21, 2025

Discover what happens if your mortgage offer expires before completion. Learn about the risks, how to extend your offer, and effective strategies to ensure a smooth property purchase. Avoid delays and extra costs by understanding lender policies and taking proactive steps. Get expert advice to secure your new home without complications.

Non-Standard Construction Mortgages

Laing Easiform Mortgage Guide: How to Buy or Remortgage a Concrete-Built Home in the UK

June 27, 2025

Discover what makes Laing Easiform houses unique, the challenges of securing a mortgage on these concrete-built homes, and how to navigate lender restrictions. Learn key identification features, common issues, and expert tips to improve your chances of buying or remortgaging a Laing Easiform property in the UK.

Wimpey No-Fines Mortgage: Tips to Secure Funding for Your Non-Standard Concrete Home

March 21, 2025

Unearth how to secure a mortgage on a Wimpey No-Fines property, built with an innovative mid-century concrete technique that omits fine aggregates. Explore lender considerations, structural checks, insurance tips, and the value of specialist advice to confidently navigate these unique yet mortgageable homes.

Re-mortgaging

Remortgaging on Maternity Leave: Your Complete Guide to Success

March 28, 2025

Remortgaging while on maternity leave presents unique challenges due to income changes. This article delves into essential considerations, including choosing flexible lenders, preparing necessary documentation, and strategies to strengthen your application. Whether you’re employed or self-employed, navigate the remortgaging process during your leave and enhance your financial stability.

Bad Credit Information

Refused Mortgage in Principle: What It Means and How to Overcome It

March 21, 2025

Received a refused mortgage in principle? Don’t let it end your home-buying journey. Discover the common reasons for refusals, from credit history to affordability, and explore practical steps to strengthen your financial profile. Learn how to reduce debt, seek expert guidance, and navigate different lenders to improve your chances of securing a mortgage and achieving your dream home.