First-time buyers, take note — ordering a pizza on credit could influence your mortgage chances. Here’s what you need to know. In recent years, buy now, pay later (BNPL) providers such as Klarna have made it easier than ever to spread the cost of online shopping. For many, it feels like a harmless, flexible way to manage money. But if you're planning to get on the property ladder, it’s important to understand how Klarna, and other similar services, might affect your mortgage

Buying your first home is one of the biggest milestones in life, but if you have a poor credit history, it can feel like an impossible dream. This blog explains the importance of understanding the contents of your credit report, and receiving tailored advice from Optimus Mortgages and finding the right specialist lender.