Credit scores on a joint mortgage
Lenders consider the credit history of everyone signing the mortgage. One low score makes things harder, not impossible — the gaps in one person's history…
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Mortgages and buying a home
Prepare your credit report for each stage of buying a home and applying for a mortgage.
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pieces of guidance
Mortgage holidays and your credit rating
Yes, it can harm your credit score. Ask your lender whether they'll report it before you arrange one, and never simply stop paying without an agreement in…
Mortgages in principle and your score
An MIP is unlikely to affect your credit score, since most major lenders only run a soft search. It's an estimate, not an offer — and you can still be…
The score you need to buy a house
No minimum credit score exists for a UK mortgage. Lenders assess income, debts and history. A low score may mean higher rates or a bigger deposit, not…
Your credit report at each mortgage stage
Check before you apply, during the process when lenders run drawdown checks, and after you move in. Each stage catches different problems.