Clay The Worker

I've done a lot of work and want to share my experience and knowledge.

Clay The Worker


Why Hire a Mortgage Broker for a Bad Credit Home Loan

It’s not easy to secure a mortgage if you have a bad credit score. However, hiring a mortgage broker can help you secure a loan much faster and easily as well.

How do I get mortgage despite my bad credit score

When you are using a mortgage broker they will ensure that they search the complete market to get the best mortgage deal for you. They will offer you valuable and experienced advice for all your current requirements. Pus the guidance which you get from their expert advice is enough to help you secure loan on your terms.

What factors contribute to a bad credit score?

The credit score is usually calculated as a whole and cannot be attributed to just one or two factors. There is a series of information which would contribute towards your credit score.

A person who is not on the electoral roll will have a bad impact on the credit score

Court records either new or previous

A history of defaults and missed payments

If you have changed addresses and failed to mention it, it would again reflect on your credit score

Previously declined credit applications

Your debt which you currently owe and the amount which remains to be repaid

Though you may try to improve you credit score but any lender who wants to offer you a loan would be taking a record of the previous six months at least. However if you have time on your hands you may try to improve your credit score but for someone who’s pressed for time, hiring a mortgage broker is the best way to go about it.

A mortgage broker knows certain lenders who are more sympathetic towards people with a low or bad credit score. Their good relationship with these lenders enable them to help you secure a loan, just when you had given up all the hope of getting one.

Loan to value for bad credit mortgage

Lenders use the loan to value ratio for determining how much mortgage an individual can get in lieu of the property. In simple words it helps determine how much deposit you need to pay in order to secure the mortgage. For people with a bad credit score it is relatively important that the loan to value ratio is relatively small because the less amount you need to borrow the more are your chances of securing a mortgage.

The amount which you would be allowed to borrow needs to be determined by the lender. Factors like your income, your ongoing credit commitments and the number of dependents you have all play a major role.

All in all the lender wants to assess whether you would be able to repay the loan on time. However this may vary from lender to lender and that is exactly why you need to use a mortgage broker to help you secure a mortgage especially if you have a bad credit score.

Facts About Teeth Whitening

Tooth whitening (used interchangeably with tooth bleaching most times) involves either attempting to whiten the teeth better than it was before or to restore the teeth back to its natural colour. It simply means bleaching the teeth so it becomes lighter

There are various things that cause stains in the teeth over time. These are stains caused by our personal eating and drinking habits, they are referred to as extrinsic factors e.g. drinking alcohol, red wine, beverages like tea, coffee, smoking and tobacco use, spicy foods and other foods like chocolate, ketchup etc., all have a way of affecting the teeth color adversely. Tartar and calculus can also accumulate and darken the teeth over time

The natural color or shade of the teeth can be restored by simply removing these extrinsic stains either through improved oral hygiene at home or by polishing the teeth which is done by a dentist. Various whitening products can be gotten from a dentist like trays, over the counter gels, whitening toothpastes etc.

How the teeth is whitened

The dentist uses a whitening to improve the coloration of the teeth without changing the structure whatsoever. A light source aids and accelerates the ions in the gel producing faster results, when used properly, the results are dramatic. Actual results may vary, but usually an improvement of three to eight shades will be achieved.

Note that whitening treatment cannot be performed on a customer that is pregnant or nursing, allergic to silicone or peroxide, or has untreated oral issues.

The patient is handed a self-adhesive bib and a fingertip brush up to use, the blue side which is the rough side is used to clean the teeth in order for best adhesion of the gel. While brushing it is important to brush only the teeth and to be careful not to irritate the gums.

The dentist uses the shade guide to match the color of the patient’s teeth to a color on the shade guide. The tip of the vitamin E swab is removed which is marked with a red line, holding it upright so that the liquid does not pour out. The swab is then handed to the client and they’re made to run the swab along their gum line and lips for protection.

If using the silicone impression mouthpiece, the patient slowly but firmly bites into the silicon to get a good impression, the patient is urged to slightly rock the impression back and forth to create just a little space for the gel. After that, the impression is removed from the mouth into a tray once the impression has been made.

Using the syringe, the dentist places a small amount of the whitening gel into the front of the impression, on the top and the bottom of the tray. It is important that there is enough gel to surround each tooth but not so much that the gums are needlessly exposed to the whitening agent. The tray is then placed into the patient’s mouth.

The L.E.D timer is set to the desired length of time, the L.E.D light is turned on and adjusted to approximately one to two inches from the patient’s mouth. When the time has expired, the LED light is removed and the mouth tray is also removed and placed into the bowl.

The dentist then gives the patient a cup of water to swish and spit it into a cup or a sink if available. The patient is handed another brush up to remove any residual gel that must’ve been left behind. After this the procedure is complete and patient is advised to refrain from drinking coffee tea or red wine for at least 24 hours. The rule of thumb is that anything that will stain a white shirt will definitely stain the teeth.