{"id":39,"date":"2026-03-03T13:29:12","date_gmt":"2026-03-03T13:29:12","guid":{"rendered":"http:\/\/casa-uk-mortgages.local\/?page_id=39"},"modified":"2026-03-26T01:49:31","modified_gmt":"2026-03-26T01:49:31","slug":"bad-credit-mortgages","status":"publish","type":"page","link":"https:\/\/casaukmortgages.co.uk\/ro\/services\/bad-credit-mortgages\/","title":{"rendered":"Bad Credit Mortgages"},"content":{"rendered":"<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-left\"><strong>Bad Credit Mortgages<\/strong><\/h5>\n\n\n\n<div class=\"wp-block-cover alignfull\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"358\" class=\"wp-block-cover__image-background wp-image-1282\" alt=\"Mortgage advice for clients with adverse credit looking to buy a home in the UK\" src=\"http:\/\/casa-uk-mortgages.local\/wp-content\/uploads\/2026\/03\/bad-credit-mortgages-uk-1024x358.jpg\" style=\"object-position:79% 68%\" data-object-fit=\"cover\" data-object-position=\"79% 68%\" srcset=\"https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/bad-credit-mortgages-uk-1024x358.jpg 1024w, https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/bad-credit-mortgages-uk-300x105.jpg 300w, https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/bad-credit-mortgages-uk-768x269.jpg 768w, https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/bad-credit-mortgages-uk-1536x538.jpg 1536w, https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/bad-credit-mortgages-uk-2048x717.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<h1 class=\"wp-block-heading has-text-align-left has-ast-global-color-4-color has-text-color has-link-color wp-elements-8887a12749076c2a66eda12ac65c3fa4\" style=\"font-size:35px\"><strong>Mortgage pentru persoane cu probleme de credit<\/strong><\/h1>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-ast-global-color-4-color has-text-color has-link-color wp-elements-730e435882f4a132d4a64f9cb4cb9895\">Nu e\u0219ti sigur dac\u0103 istoricul t\u0103u de credit \u00ee\u021bi poate afecta \u0219ansele de a ob\u021bine un credit ipotecar? <\/h3>\n\n\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-68020a6c79e9e0a61dac7eb2fc5963d1 wp-block-paragraph\">Po\u021bi discuta situa\u021bia ta cu un consultant ipotecar \u0219i po\u021bi explora ce op\u021biuni ai la dispozi\u021bie.<\/p>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-custom-font-size wp-element-button\" href=\"https:\/\/outlook.office.com\/book\/AppointmentBookings@casauk.co.uk\/?ismsaljsauthenabled\" style=\"font-size:18px\" target=\"_blank\" rel=\"noopener\">Discut\u0103 cu un Mortgage Adviser<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Mortgage pentru persoane cu probleme de credit<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Faptul c\u0103 ai avut probleme de credit \u00een trecut nu \u00eenseamn\u0103 \u00eentotdeauna c\u0103 nu po\u021bi ob\u021bine o ipotec\u0103. Creditorii analizeaz\u0103 fiecare aplica\u021bie \u00een func\u021bie de mai mul\u021bi factori, inclusiv tipul problemei de credit, c\u00e2t timp a trecut de atunci \u0219i situa\u021bia financiar\u0103 actual\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unii creditori pot lua \u00een considerare aplica\u021bii de la persoane care au avut probleme de credit, \u00een func\u021bie de propriile criterii.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La Casa UK Mortgages, putem analiza situa\u021bia ta \u0219i identifica creditori ale c\u0103ror criterii ar putea fi potrivite pentru circumstan\u021bele tale.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"font-size:30px\">Tipuri de probleme de credit pe care creditorii le pot lua \u00een considerare<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Creditorii analizeaz\u0103 fiecare aplica\u021bie ipotecar\u0103 individual, iar op\u021biunile disponibile depind de situa\u021bia personal\u0103. \u00cen unele cazuri, creditorii pot lua \u00een considerare aplica\u021bii de la persoane care au avut:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-66c018ed wp-block-columns-is-layout-flex\" style=\"padding-top:10px;padding-bottom:10px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li> Pl\u0103\u021bi \u00eent\u00e2rziate<\/li>\n\n\n\n<li>Defaults<\/li>\n\n\n\n<li>Hot\u0103r\u00e2ri judec\u0103tore\u0219ti pentru datorii (CCJ)<\/li>\n\n\n\n<li>Planuri de gestionare a datoriilor (DMP)<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li> Restan\u021be la credite<\/li>\n\n\n\n<li> DIficult\u0103\u021bi financiare anterioare<\/li>\n\n\n\n<li> Scor de credit sc\u0103zut<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Disponibilitatea unei ipoteci poate depinde de factori precum c\u00e2t timp a trecut de la apari\u021bia problemei, dac\u0103 aceasta a fost rezolvat\u0103 \u0219i situa\u021bia financiar\u0103 actual\u0103.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"font-size:30px\">Factori pe care creditorii \u00eei pot lua \u00een considerare<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-65deacd7 wp-block-columns-is-layout-flex\" style=\"padding-top:20px;padding-bottom:20px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:20px;flex-basis:60%\">\n<p class=\"wp-block-paragraph\">Atunci c\u00e2nd analizeaz\u0103 o aplica\u021bie ipotecar\u0103 care implic\u0103 probleme de credit, creditorii pot lua \u00een considerare:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> C\u00e2t timp a trecut de la apari\u021bia problemei de credit<\/li>\n\n\n\n<li> Suma implicat\u0103<\/li>\n\n\n\n<li> Dac\u0103 datoria a fost achitat\u0103<\/li>\n\n\n\n<li> Veniturile actuale \u0219i gradul de accesibilitate<\/li>\n\n\n\n<li> Depozitul disponibil<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Un depozit mai mare \u0219i dovezi ale unei gestion\u0103ri financiare \u00eembun\u0103t\u0103\u021bite pot cre\u0219te op\u021biunile disponibile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen func\u021bie de circumstan\u021bele \u0219i istoricul t\u0103u de credit, unii creditori pot lua \u00een considerare aplica\u021bia.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<figure class=\"wp-block-image size-large has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"http:\/\/casa-uk-mortgages.local\/wp-content\/uploads\/2026\/03\/bad-credit-mortgage-advice-couple-meeting-1024x768.jpg\" alt=\"Couple discussing bad credit mortgage options with a mortgage adviser\" class=\"wp-image-1425\" style=\"border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-left-radius:20px;border-bottom-right-radius:20px\" srcset=\"https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/bad-credit-mortgage-advice-couple-meeting-1024x768.jpg 1024w, https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/bad-credit-mortgage-advice-couple-meeting-300x225.jpg 300w, https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/bad-credit-mortgage-advice-couple-meeting-768x576.jpg 768w, https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/bad-credit-mortgage-advice-couple-meeting.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-ast-global-color-4-color has-ast-global-color-1-background-color has-text-color has-background has-link-color wp-elements-3095422e82120d45b426b9c8e713f1b2\" style=\"font-size:30px\">\u00centreb\u0103ri frecvente<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">Pot ob\u021bine o ipotec\u0103 dac\u0103 am avut probleme de credit?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Faptul c\u0103 ai avut probleme de credit \u00een trecut nu \u00eenseamn\u0103 automat c\u0103 nu po\u021bi ob\u021bine o ipotec\u0103. Creditorii analizeaz\u0103 de obicei factori precum tipul problemei de credit, c\u00e2t timp a trecut de atunci \u0219i situa\u021bia financiar\u0103 actual\u0103.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Ce tipuri de probleme de credit iau \u00een considerare creditorii?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Unii creditori pot analiza cereri \u00een care au existat pl\u0103\u021bi \u00eent\u00e2rziate, restan\u021be, hot\u0103r\u00e2ri judec\u0103tore\u0219ti pentru datorii (CCJ) sau dificult\u0103\u021bi financiare \u00een trecut. Fiecare creditor are propriile criterii.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Dup\u0103 c\u00e2t timp de la o problem\u0103 de credit pot aplica pentru un credit ipotecar?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Op\u021biunile disponibile depind adesea de c\u00e2t timp a trecut de la problema de credit \u0219i dac\u0103 situa\u021bia a fost rezolvat\u0103 \u00eentre timp. \u00cen multe cazuri, creditorii acord\u0103 mai mult\u0103 importan\u021b\u0103 comportamentului financiar recent.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Va fi nevoie de un depozit mai mare?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen unele situa\u021bii, creditorii pot solicita un depozit mai mare dac\u0103 au existat probleme de credit \u00een trecut. Totu\u0219i, acest lucru depinde de creditor \u0219i de circumstan\u021bele individuale.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Pot ob\u021bine un credit ipotecar dac\u0103 am un default sau un CCJ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Unii creditori pot analiza cereri chiar dac\u0103 exist\u0103 un default sau un CCJ, \u00een func\u021bie de suma implicat\u0103, dac\u0103 datoria a fost achitat\u0103 \u0219i de c\u00e2t timp a trecut de atunci.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">C\u00e2t timp r\u0103m\u00e2ne o plat\u0103 \u00eent\u00e2rziat\u0103 pe raportul meu de credit?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Pl\u0103\u021bile \u00eent\u00e2rziate r\u0103m\u00e2n, de obicei, pe raportul de credit timp de 6 ani de la data la care au fost \u00eenregistrate. Creditorii pot lua \u00een considerare \u0219i c\u00e2t de recent\u0103 a fost plata \u00eent\u00e2rziat\u0103 \u0219i dac\u0103 situa\u021bia financiar\u0103 s-a \u00eembun\u0103t\u0103\u021bit \u00eentre timp.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Dac\u0103 achit un default sau un CCJ, va fi eliminat din raportul meu de credit?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Achitarea unui default sau a unei hot\u0103r\u00e2ri judec\u0103tore\u0219ti (CCJ) nu \u00eel elimin\u0103 automat din raportul de credit. Totu\u0219i, de regul\u0103 va fi marcat ca \u201eachitat\u201d, ceea ce poate \u00eembun\u0103t\u0103\u021bi modul \u00een care unii creditori evalueaz\u0103 situa\u021bia. <strong>satisfied<\/strong>, which may improve how some lenders view the situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen mod normal, aceste \u00eenregistr\u0103ri r\u0103m\u00e2n pe raportul de credit timp de 6 ani, \u00eens\u0103 creditorii pot lua \u00een considerare \u0219i c\u00e2nd a ap\u0103rut problema \u0219i dac\u0103 situa\u021bia financiar\u0103 s-a \u00eembun\u0103t\u0103\u021bit \u00eentre timp.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Va fi dob\u00e2nda mai mare dac\u0103 am avut probleme de credit?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen unele cazuri, ratele dob\u00e2nzii pot fi mai mari dac\u0103 au existat probleme de credit \u00een trecut. Totu\u0219i, acest lucru depinde de factori precum tipul problemei de credit, c\u00e2t timp a trecut de atunci \u0219i situa\u021bia financiar\u0103 actual\u0103.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Cum m\u0103 poate ajuta un consultant ipotecar?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un consultant ipotecar \u00ee\u021bi poate analiza situa\u021bia \u0219i poate identifica creditori ale c\u0103ror criterii ar putea fi potrivite. Acest lucru te poate ajuta s\u0103 descoperi op\u021biuni care poate nu sunt evidente atunci c\u00e2nd contactezi direct creditorii.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"font-size:30px\">\u00cembun\u0103t\u0103\u021birea \u0219anselor de a ob\u021bine un credit ipotecar<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 ai avut probleme de credit \u00een trecut, exist\u0103 c\u00e2\u021biva pa\u0219i care pot ajuta la \u00eembun\u0103t\u0103\u021birea op\u021biunilor disponibile atunci c\u00e2nd aplici pentru un credit ipotecar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Acestea pot include:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 Men\u021binerea pl\u0103\u021bilor la zi pentru angajamentele financiare existente<br>\u2022 Reducerea datoriilor negarantate acolo unde este posibil<br>\u2022 Evitarea solicit\u0103rii de noi credite cu pu\u021bin timp \u00eenainte de a aplica pentru un credit ipotecar<br>\u2022 Economisirea unui depozit mai mare, dac\u0103 este posibil<br>\u2022 Demonstrerea unui venit stabil \u0219i a unei capacit\u0103\u021bi de plat\u0103 adecvate<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Creditorii analizeaz\u0103 adesea comportamentul financiar recent atunci c\u00e2nd evalueaz\u0103 o aplica\u021bie.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-ast-global-color-5-background-color has-background\" style=\"font-size:30px\">Cum te poate ajuta Casa UK Mortgages<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">La Casa UK Mortgages, ne lu\u0103m timp s\u0103 \u00een\u021belegem situa\u021bia ta \u0219i s\u0103 analiz\u0103m creditori care ar putea lua \u00een considerare aplica\u021bii ce implic\u0103 probleme de credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ce\u021bi vom explica op\u021biunile disponibile \u0219i te vom ghida pe parcursul procesului de ob\u021binere a creditului ipotecar, de la prima discu\u021bie p\u00e2n\u0103 la finalizare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consultan\u021ba ipotecar\u0103 este disponibil\u0103 at\u00e2t \u00een limba englez\u0103, c\u00e2t \u0219i \u00een limba rom\u00e2n\u0103.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"font-size:30px\">Nu e\u0219ti sigur dac\u0103 po\u021bi ob\u021bine un credit ipotecar?<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Mul\u021bi oameni presupun c\u0103 problemele de credit \u00eenseamn\u0103 automat c\u0103 nu pot ob\u021bine un credit ipotecar. \u00cen realitate, creditorii analizeaz\u0103 adesea o serie de factori, inclusiv c\u00e2t timp a trecut de la apari\u021bia problemei, dac\u0103 aceasta a fost rezolvat\u0103 \u0219i situa\u021bia financiar\u0103 actual\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chiar dac\u0103 ai avut pl\u0103\u021bi \u00eent\u00e2rziate, default-uri sau alte dificult\u0103\u021bi financiare \u00een trecut, merit\u0103 s\u0103 \u00ee\u021bi explorezi op\u021biunile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La Casa UK Mortgages, putem analiza situa\u021bia ta \u0219i \u00ee\u021bi putem explica ce ar putea lua \u00een considerare creditorii, \u00een func\u021bie de circumstan\u021bele tale.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"font-size:30px\">Discut\u0103 cu un Mortgage Adviser despre probleme de credit<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 ai avut probleme de credit \u00een trecut \u0219i dore\u0219ti s\u0103 vezi dac\u0103 un credit ipotecar ar putea fi \u00eenc\u0103 posibil, Casa UK Mortgages \u00ee\u021bi poate analiza situa\u021bia \u0219i \u00ee\u021bi poate prezenta op\u021biunile disponibile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fiecare situa\u021bie este diferit\u0103, iar creditorii disponibili pot depinde de factori precum tipul problemei de credit, c\u00e2t timp a trecut de atunci \u0219i situa\u021bia ta financiar\u0103 actual\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consultan\u021ba ipotecar\u0103 poate fi discutat\u0103 \u00een limba englez\u0103 sau rom\u00e2n\u0103. Documenta\u021bia oficial\u0103 va fi furnizat\u0103 \u00een limba englez\u0103.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 dore\u0219ti s\u0103 \u00een\u021belegi ce op\u021biuni ar putea fi disponibile \u00een func\u021bie de situa\u021bia ta, po\u021bi programa mai jos o discu\u021bie confiden\u021bial\u0103.<\/p>\n\n\n\n<div style=\"height:45px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-custom-font-size wp-element-button\" href=\"https:\/\/outlook.office.com\/book\/AppointmentBookings@casauk.co.uk\/?ismsaljsauthenabled\" style=\"font-size:18px\" target=\"_blank\" rel=\"noopener\">Programeaz\u0103 o consulta\u021bie<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-ast-global-color-5-background-color has-background is-layout-constrained wp-container-core-group-is-layout-9b5a31eb wp-block-group-is-layout-constrained\" id=\"contact\" style=\"margin-top:40px;margin-bottom:40px;padding-top:15px;padding-right:25px;padding-bottom:25px;padding-left:25px\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-872d4f09 wp-block-columns-is-layout-flex\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:15px;padding-right:25px;padding-bottom:15px;padding-left:0px;flex-basis:30%\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"756\" height=\"254\" src=\"https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/Casa_UK_logo_transparent.png\" alt=\"Casa-UK-Romanian-Broker-in-UK\" class=\"wp-image-604\" style=\"aspect-ratio:2.976956770139021;object-fit:cover;width:160px\" srcset=\"https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/Casa_UK_logo_transparent.png 756w, https:\/\/casaukmortgages.co.uk\/wp-content\/uploads\/2026\/03\/Casa_UK_logo_transparent-300x101.png 300w\" sizes=\"auto, (max-width: 756px) 100vw, 756px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-left has-ast-global-color-0-color has-text-color has-link-color wp-elements-a92e2340670ca16ba6d10444f92ef6d8 wp-block-paragraph\" style=\"font-size:12px\">Pentru ca oricine merit\u0103<br>un loc numit 'acas\u0103'<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top has-small-font-size is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:15px;padding-bottom:15px;flex-basis:30%\">\n<h3 class=\"wp-block-heading has-text-align-left\">Servicii<\/h3>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\" style=\"margin-top:2px;margin-bottom:2px;font-size:14px\"><a href=\"https:\/\/casaukmortgages.co.uk\/ro\/services\/first-time-buyer-mortgages\/\" data-type=\"page\" data-id=\"34\">First-Time Buyer<\/a><\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\" style=\"margin-top:2px;margin-bottom:2px;font-size:14px\"><a href=\"https:\/\/casaukmortgages.co.uk\/ro\/services\/remortgages\/\" data-type=\"page\" data-id=\"37\">Remortgages<\/a><\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\" style=\"margin-top:2px;margin-bottom:2px;font-size:14px\"><a href=\"https:\/\/casaukmortgages.co.uk\/ro\/services\/buy-to-let-mortgages\/\" data-type=\"page\" data-id=\"43\">Buy-to-Let<\/a><\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\" style=\"margin-top:2px;margin-bottom:2px;font-size:14px\"><a href=\"https:\/\/casaukmortgages.co.uk\/ro\/services\/protection-advice\/\" data-type=\"page\" data-id=\"186\">Protec\u021bie financiar\u0103 <\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top has-ast-global-color-1-color has-text-color has-link-color wp-elements-b1de44fc74604fe8d5541efd0cc49efe is-layout-flow wp-container-core-column-is-layout-f513e356 wp-block-column-is-layout-flow\" style=\"border-top-left-radius:4px;border-top-right-radius:4px;border-bottom-left-radius:4px;border-bottom-right-radius:4px;border-top-width:1px;border-right-width:2px;border-bottom-width:2px;border-left-width:2px;padding-top:15px;padding-right:25px;padding-bottom:15px;padding-left:0px;flex-basis:40%\">\n<h3 class=\"wp-block-heading has-text-align-left\">Get in Touch<\/h3>\n\n\n\n<p class=\"has-text-align-left has-ast-global-color-2-color has-text-color has-link-color wp-elements-3c4497f9ed45ab736c0e7cf3dd3d4148 wp-block-paragraph\" style=\"font-size:14px\">Casa UK Mortgages<br>6 Pella Grove, Annesley<br>Nottingham, NG15 0EL<br>Email: <a href=\"mailto:madalina@casauk.co.uk?subject=Mortgage Enquiry\">madalina@casauk.co.uk<\/a><br>Tel: <a href=\"tel:+447459614660\" data-type=\"tel\" data-id=\"tel:+447459614660\">07459 614660<\/a><\/p>\n\n\n\n<ul class=\"wp-block-social-links alignleft has-small-icon-size has-icon-color is-style-logos-only is-horizontal is-layout-flex wp-container-core-social-links-is-layout-587a99e2 wp-block-social-links-is-layout-flex\" style=\"margin-top:-1px;margin-bottom:-1px\"><li style=\"color:var(--ast-global-color-1)\" class=\"wp-social-link wp-social-link-facebook has-ast-global-color-1-color wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/CasaUKMortgages\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li>\n\n<li style=\"color:var(--ast-global-color-1)\" class=\"wp-social-link wp-social-link-instagram has-ast-global-color-1-color wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.instagram.com\/casaukmortgages\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,4.622c2.403,0,2.688,0.009,3.637,0.052c0.877,0.04,1.354,0.187,1.671,0.31c0.42,0.163,0.72,0.358,1.035,0.673 c0.315,0.315,0.51,0.615,0.673,1.035c0.123,0.317,0.27,0.794,0.31,1.671c0.043,0.949,0.052,1.234,0.052,3.637 s-0.009,2.688-0.052,3.637c-0.04,0.877-0.187,1.354-0.31,1.671c-0.163,0.42-0.358,0.72-0.673,1.035 c-0.315,0.315-0.615,0.51-1.035,0.673c-0.317,0.123-0.794,0.27-1.671,0.31c-0.949,0.043-1.233,0.052-3.637,0.052 s-2.688-0.009-3.637-0.052c-0.877-0.04-1.354-0.187-1.671-0.31c-0.42-0.163-0.72-0.358-1.035-0.673 c-0.315-0.315-0.51-0.615-0.673-1.035c-0.123-0.317-0.27-0.794-0.31-1.671C4.631,14.688,4.622,14.403,4.622,12 s0.009-2.688,0.052-3.637c0.04-0.877,0.187-1.354,0.31-1.671c0.163-0.42,0.358-0.72,0.673-1.035 c0.315-0.315,0.615-0.51,1.035-0.673c0.317-0.123,0.794-0.27,1.671-0.31C9.312,4.631,9.597,4.622,12,4.622 M12,3 C9.556,3,9.249,3.01,8.289,3.054C7.331,3.098,6.677,3.25,6.105,3.472C5.513,3.702,5.011,4.01,4.511,4.511 c-0.5,0.5-0.808,1.002-1.038,1.594C3.25,6.677,3.098,7.331,3.054,8.289C3.01,9.249,3,9.556,3,12c0,2.444,0.01,2.751,0.054,3.711 c0.044,0.958,0.196,1.612,0.418,2.185c0.23,0.592,0.538,1.094,1.038,1.594c0.5,0.5,1.002,0.808,1.594,1.038 c0.572,0.222,1.227,0.375,2.185,0.418C9.249,20.99,9.556,21,12,21s2.751-0.01,3.711-0.054c0.958-0.044,1.612-0.196,2.185-0.418 c0.592-0.23,1.094-0.538,1.594-1.038c0.5-0.5,0.808-1.002,1.038-1.594c0.222-0.572,0.375-1.227,0.418-2.185 C20.99,14.751,21,14.444,21,12s-0.01-2.751-0.054-3.711c-0.044-0.958-0.196-1.612-0.418-2.185c-0.23-0.592-0.538-1.094-1.038-1.594 c-0.5-0.5-1.002-0.808-1.594-1.038c-0.572-0.222-1.227-0.375-2.185-0.418C14.751,3.01,14.444,3,12,3L12,3z M12,7.378 c-2.552,0-4.622,2.069-4.622,4.622S9.448,16.622,12,16.622s4.622-2.069,4.622-4.622S14.552,7.378,12,7.378z M12,15 c-1.657,0-3-1.343-3-3s1.343-3,3-3s3,1.343,3,3S13.657,15,12,15z M16.804,6.116c-0.596,0-1.08,0.484-1.08,1.08 s0.484,1.08,1.08,1.08c0.596,0,1.08-0.484,1.08-1.08S17.401,6.116,16.804,6.116z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Instagram<\/span><\/a><\/li>\n\n<li style=\"color:var(--ast-global-color-1)\" class=\"wp-social-link wp-social-link-linkedin has-ast-global-color-1-color wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/company\/casaukmortgages\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewbox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-ast-global-color-1-background-color has-background is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:20px;padding-bottom:20px\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-left has-ast-global-color-4-color has-text-color has-link-color wp-elements-4e991cbc5467b9f2ac01f8d987e9102f wp-block-paragraph\" style=\"font-size:15px;line-height:1.5\">Informa\u021biile \u0219i\/sau consultan\u021ba prezentate pe acest website sunt supuse regimului de reglementare din Regatul Unit \u0219i sunt destinate \u00een principal consumatorilor din Marea Britanie. V\u0103 rug\u0103m s\u0103 lua\u021bi \u00een considerare urm\u0103toarele informa\u021bii importante:<\/p>\n\n\n\n<p class=\"has-text-align-left has-ast-global-color-4-color has-text-color has-link-color wp-elements-cc43d03e7c8ec0fbdc11025b406f716c wp-block-paragraph\" style=\"font-size:15px\">Se poate percepe o tax\u0103 pentru consultan\u021ba de mortgage, de obicei \u00eentre \u00a3479 \u0219i \u00a3699, \u00een func\u021bie de circumstan\u021be.<\/p>\n\n\n\n<p class=\"has-text-align-left has-ast-global-color-4-color has-text-color has-link-color wp-elements-c95e422fba0d612256329867e98de8b1 wp-block-paragraph\" style=\"font-size:15px;line-height:1.5\">Casa UK Mortgages Ltd, care opereaz\u0103 sub denumirea Casa UK Mortgages, este Appointed Representative al HL Partnership Limited, companie autorizat\u0103 \u0219i reglementat\u0103 de Financial Conduct Authority, cu num\u0103rul de referin\u021b\u0103 FCA 303397.<\/p>\n\n\n\n<p class=\"has-text-align-left has-ast-global-color-4-color has-text-color has-link-color wp-elements-801b3806891ffef6cc67eebae4135238 wp-block-paragraph\" style=\"font-size:15px;line-height:1.5\">Casa UK Mortgages Ltd este \u00eenregistrat\u0103 \u00een Anglia \u0219i \u021aara Galilor cu num\u0103rul companiei 16428343.\nSediu social: 6 Pella Grove, Annesley, Nottingham, NG15 0EL.<\/p>\n\n\n\n<p class=\"has-text-align-left has-ast-global-color-4-color has-text-color has-link-color wp-elements-160f8720aa992c3fd3e0b87b01103a06 wp-block-paragraph\" style=\"font-size:15px;line-height:1.5\">Aceste informa\u021bii pot fi verificate \u00een Registrul de Servicii Financiare al FCA:&nbsp;<a href=\"https:\/\/register.fca.org.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/register.fca.org.uk<\/a><\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-4a05a7fb wp-block-buttons-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-ast-global-color-4-color has-text-color has-link-color has-text-align-center has-custom-font-size wp-element-button\" href=\"https:\/\/casaukmortgages.co.uk\/ro\/complaints\/\" style=\"font-size:10px\">Procedura de reclama\u021bii<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-ast-global-color-4-color has-text-color has-link-color has-custom-font-size wp-element-button\" href=\"https:\/\/casaukmortgages.co.uk\/ro\/privacy\/\" style=\"font-size:10px\">Politica de confiden\u021bialitate<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-ast-global-color-4-color has-text-color has-link-color has-custom-font-size wp-element-button\" href=\"https:\/\/casaukmortgages.co.uk\/ro\/cookies\/\" style=\"font-size:10px\">Politica privind cookie-urile<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Bad Credit Mortgages Mortgages with Credit Issues Having credit issues in the past does not always mean you cannot obtain [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":26,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-39","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/casaukmortgages.co.uk\/ro\/wp-json\/wp\/v2\/pages\/39","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/casaukmortgages.co.uk\/ro\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/casaukmortgages.co.uk\/ro\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/casaukmortgages.co.uk\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/casaukmortgages.co.uk\/ro\/wp-json\/wp\/v2\/comments?post=39"}],"version-history":[{"count":65,"href":"https:\/\/casaukmortgages.co.uk\/ro\/wp-json\/wp\/v2\/pages\/39\/revisions"}],"predecessor-version":[{"id":1844,"href":"https:\/\/casaukmortgages.co.uk\/ro\/wp-json\/wp\/v2\/pages\/39\/revisions\/1844"}],"up":[{"embeddable":true,"href":"https:\/\/casaukmortgages.co.uk\/ro\/wp-json\/wp\/v2\/pages\/26"}],"wp:attachment":[{"href":"https:\/\/casaukmortgages.co.uk\/ro\/wp-json\/wp\/v2\/media?parent=39"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}