Dealing with mortgages can feel overwhelming, especially when your credit history isn’t perfect. Many people assume that bad credit immediately disqualifies them from getting a home loan, but that’s not always the case. At Smart City Mortgages, we see this misunderstanding regularly https://smartcitymortgages.co.uk/ . The reality is that the real cost of bad credit isn’t just higher interest rates—it’s also missed opportunities and unnecessary stress. However, with the right guidance, even those with a less-than-ideal credit history can find a path forward.