Why credit scores matter:

• Lender risk assessment:
  Your credit history helps lenders judge how reliably you’ve managed debt in the past, which indicates how likely you are to keep up with mortgage payments.

• Impact on rates:
  A higher credit score typically means access to more lenders and better rates. Lower scores may lead to higher interest rates or reduced borrowing limits.

• Common credit issues:

  • Missed payments

  • Defaults or County Court Judgments (CCJs)

  • High credit usage

  • Bankruptcy or IVAs (Individual Voluntary Arrangements)

• Not all lenders have the same rules:
  Some lenders are more flexible with minor historic issues, while others have strict criteria.

Improving your credit profile:

• Check your credit report regularly (Experian, Equifax, TransUnion)

• Make payments on time

• Reduce outstanding debts

• Avoid applying for multiple new credit lines before applying for a mortgage

Even with credit issues, options may still exist through specialist lenders. We assess your credit profile fully and match you to suitable lenders.