Give me an answer.

It can be both. Since mortgage providers are accepting applications of the people with bad credit scores, many people try to improve their credit ratings after the approval. They pay monthly instalments, as they have a good income, on the proper schedule that enhances their credit profiles.
On the other hand, some people first improve their credit scores under the guidance of the mortgage brokers and then prefer to apply. It gives them a benefit of assured approval even if they have low income. Thus, it is a vice versa process.

Visit for more info: https://www.shinemortgages.co.uk/mortgages/how-to-get-a-mortgage-with-bad-credit-but-good-income.php