Advice
Advice
Concrete pointers about credit, written for a reader who has just been refused. Factual, no promises.
Self-employed: a solid file without three sets of accounts
A recent business or atypical accounts do not condemn your application. What makes up for the absence of three sets of accounts.
August 1, 2026
Co-borrower or guarantor: which strengthens your file?
Both reassure the lender, but they do not commit in the same way. How to choose according to your situation.
July 30, 2026
APR or borrowing rate: reading an offer without getting it wrong
Two rates, two uses. Understanding the difference avoids nasty surprises when comparing.
July 22, 2026
Debt-to-income ratio: why 35% is not a wall
The 35% threshold is a prudential benchmark, not an absolute rule. How it is calculated and what can qualify it.
July 12, 2026
Mortgage consolidation: when your property becomes a solution
Combining your loans by leaning on your property: who it suits, what it changes on the monthly payment, and the limits.
July 2, 2026
Listed for a credit incident: what it really changes for a loan
Being on a credit-incident register does not close every door. What the listing blocks, what it does not, and how to move forward.
June 15, 2026