@philspencertv: Worried Bad Credit Will Stop You from Getting a Mortgage? In this episode of First-Home Focus, in association with #SkiptonBuildingSociety, Phil Spencer and mortgage expert Umera Patel dive into how bad credit impacts your chances of buying your first home and what you can do about it. From missed payments to CCJs, we explore what lenders look for and share practical steps to improve your credit before applying for a mortgage. Watch the full episode on the First Home Focus #YouTubeChannel or via The Move iQ #podcast to find out how you can get on the property ladder, despite bad credit! #badcredit #creditscoretips #firsttimebuyer #homebuying #mortgagetips #creditrepair #propertyladder #financialadvice #propertyadvice #firsthome