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If you are making a mortgage application bad credit will not stop you from getting a deal though it will affect the terms on which you will get it. When you make a mortgage application bad credit is something the lenders will think about, so you should think about it as well. There are many lenders who offer bad credit mortgages, with thousands of deals available, so bad credit is no barrier to obtaining a good deal. The bad credit mortgage deals are available for the full range of bad credit circumstances so IVAs, CCJs, bankruptcy and arrears will not stop you from qualifying.

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