Your credit score shows how you’ve managed your money in the past. It’s made up of things like your debts, store cards, bill payments, and car loans.

We look at your credit file during the application process to assess your past and present credit behaviour and conduct.

You can get a free copy of your credit report from the credit referencing agencies: Experian, Equifax and TransUnion.

There are others to choose from if you don't want to use any of the ones above. You can input your details to the credit agency website or app, and they would then carry out a soft search (which won't affect your credit score) to give you a score based on your financial activities.

How to improve your score:

  1. Once you’ve got a copy of your credit report, fix any mistakes you see.

  2. Register to vote so you show up on the electoral register. This reassures lenders about your identity, it shows you are who you say you are, and live where you say you live.

  3. Try to pay off debts before applying for a mortgage.

  4. 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.

Unfortunately, we would not be able to accept your application in you have ever entered into an IVA (Individual Voluntary Arrangement) or had a default greater than £100 that was cleared less than three years ago.

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