Your credit score shows how you’ve managed money in the past. It’s made up of things like your debts, store cards, bill payments, and car loans.
How to improve your score:
Once you’ve got a copy of your credit report, fix any mistakes you see.
Register to vote so you show up on the electoral register. This reassures lenders about your identity as it shows you are who you say you are, and live where you say you live.
Try to pay off debts before applying for a mortgage.
If you don’t have any credit, build some! Lenders want to see that you can borrow money and pay it back on time.
While you don't need a perfect credit score to apply for a mortgage with us, we do take your credit history into consideration when looking at your application.