It is known that homeowner loans have a much higher approval rate than other loans if the applicant has poor creditworthiness.
However, this does not mean that absolute approval is guaranteed if you own a home. Credit problems can be an obstacle to the desired loan approval, which can cause a decrease or at least the need to change the loan terms to achieve positive results.
It is also true that not all credit problems are the same and therefore not all must be solved in the same way. In the eyes of lenders, homeownership offers you a better starting point.
Unpaid loans or other obligations: late payments and missed payments
Delayed or missed payments do not have to be as serious as arrears unless they happen repeatedly or because the nature of the loan (home loans, equity loans) involves additional risks such as repayment.
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The proposed steps are direct debit payments or negotiations with creditors to eliminate bad entries.
Mortgage arrears with deposit risk
Regardless of whether it's a home loan or a second mortgage, the lack of payment carries the risk of repurchase. This is not a failure of unsecured homeowner loans, but mortgage loans, and therefore the severity of the consequences will affect your credit report.
Billing and account is the best solution, refinancing is also a good choice. However, joint signing is your best chance because no lender will provide a guaranteed loan if something is delayed.