On making a credit application, the lender you have applied to will check your credit history. If you have a good credit history, and you meet their other criteria, then they may be happy to accept you. However, if your credit history has too many missed or late payments, then some lenders may decide not to lend to you, or they may offer you a product but with a less favourable interest rate. This is what's known as having "adverse credit".
If you've found yourself in a similar position, and are looking to get a mortgage, then this could have a negative impact on your ability to do so. We can help you by guiding you through the process and using our extensive industry contacts to get your mortgage approved.