The type of mortgage you have won’t affect your credit rating, however the length of time you’ve held the mortgage and your payment history including any payment holidays will. Your credit rating is also affected by the amount of credit you hold, the type of credit and any financial associates and the credit they hold. If you are struggling to pay your mortgage instalments it is best to speak with your mortgage lender as soon as possible. 

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Hi, let me know in as much detail as possible how we can help?