A lot of people assume a default means they can’t get a mortgage. That’s not how it works. What matters is how old the default is, what it was for, whether it’s been settled, and what you’ve done since. Two people with the same issue on paper can get very different outcomes depending on timing and lender choice. The real question isn’t “Will a default stop me getting a mortgage?” It’s “Which lenders will consider me — and when am I actually mortgage-ready?” If this sounds familiar, you’re not al
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