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As a lender, we use your credit file to determine whether we are able to lend to you based on past behaviours.

What does a credit search tell us?

What's the difference between a hard & soft credit search? Learn about mortgage credit checks and how they're used with loan applications.

Getting a mortgage with bad credit isn't easy, but it is possible to improve your credit score. See our guide on mortgages & bad credit.

We may be able to consider a default, we will need to know some more information surrounding this.

We wouldn't be able to accept your application if you have entered into an IVA, DMP or been declared bankrupt within the last 6 years.

Adverse credit is when you have historical or current behaviour on your credit file that drags down your credit score.

You can improve your credit score by following these steps.

Find answers and get help from Intercom Support and Community Experts

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