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Whether or not you are eligible for a mortgage will depend on your credit condition. But lending is a big business and lenders have managed to come up with financial products that can be availed of by anyone above 18 years of age. Even so, the credit mortgage rate that you qualify for will depend entirely on your credit status. If you have no credit, you will definitely get a no credit mortgage from some lender or the other. But you will be charged a higher rate of interest than someone with a good credit score, or even an average credit score because you will be seen as a risk. The same goes for a poor credit mortgage.

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