Your Credit Report
Your credit history is one of the most important factors lenders look at when deciding whether to offer you a mortgage. Learn how to prepare it.
Speak to an AdvisorWhy does your credit score matter?
Lenders use your credit report to assess your financial reliability. A strong credit history shows you're a low-risk borrower, giving you access to the best mortgage rates.
What Lenders See
Lenders look at your past credit agreements, how reliably you've made payments, how much debt you currently have, and if you have any adverse credit (like CCJs or defaults).
Common Issues
Missed payments, maxed-out credit cards, or not being on the electoral roll can negatively impact your score. Even simple errors on your report can cause delays.
How to Improve Your Credit Score
Register on the Electoral Roll at your current address.
Check your report for errors and have them corrected.
Never miss a payment on loans, credit cards, or utility bills.
Keep your credit card utilisation low (ideally under 30% of your limit).
Avoid applying for new credit in the months leading up to a mortgage application.
Don't withdraw cash on a credit card.
Worried about your credit?
Even if you have a less-than-perfect credit history, we may still be able to help. We work with specialist lenders who look at the bigger picture.
Discuss Your Options