Adverse Credit

Pre-prime: rethinking how the industry labels thin-file clients

Loqbox's first impact report argues the UK credit system is failing millions of people before they've had a fair chance

Pre-prime: rethinking how the industry labels thin-file clients

A chatbot told a mortgage borrower a payment holiday wouldn't hit their credit score. It can.

And new research shows that kind of AI mistake is common, not rare

A chatbot told a mortgage borrower a payment holiday wouldn't hit their credit score. It can.

Why young borrowers should start credit conversations with brokers earlier

New research finds young people only engage with credit once declined, with brokers best placed to intervene sooner

Why young borrowers should start credit conversations with brokers earlier

Small brokers turn to specialist lending as AI encroaches on mortgage advice

For brokers facing AI competition, adverse credit is proving to be a corner of the market worth knowing well

Small brokers turn to specialist lending as AI encroaches on mortgage advice

300,000 self-employed borrowers are ready to buy a home

But many struggle to access mortgages under standard lending criteria

300,000 self-employed borrowers are ready to buy a home

Adverse credit hits millions as living costs squeeze UK borrowers

One in three adults affected, with issues rising fastest among young and higher-earning borrowers

Adverse credit hits millions as living costs squeeze UK borrowers