Bad credit is not the final word on obtaining a mortgage. Alternative lenders are available for borrowers with imperfect records, from late payments and defaults to County Court Judgments, bankruptcies, IVAs or DMPs. Starting pricing can be higher, but as time passes those entries often weigh less, allowing you to transition to high‑street products. A broker such as Caboodle decodes lender rules, assesses options and positions your case effectively. Ongoing monitoring seek the soonest point to refinance onto a cheaper deal. If you’re worried about a decline, expert advice can convert uncertainty into a clear plan towards home ownership.