Credit

What is good credit?

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7 articles in this collection
Written by Roshni Patel, Sophia Guy-White, and Millie

What does a credit search tell us?

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

Written by Millie
Updated over a week ago

What's the difference between a hard and soft credit check?

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

Written by Sophia Guy-White
Updated over a week ago

Bad credit?

Can I buy a house with bad credit?

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.

Written by Sophia Guy-White
Updated over a week ago

I have a default, can I still get a mortgage with you?

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

Written by Sophia Guy-White
Updated over a week ago

What if I've entered into an IVA, DMP or been made bankrupt?

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.

Written by Sophia Guy-White
Updated over a week ago

What is considered adverse credit?

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

Written by Roshni Patel
Updated over a week ago

How can I get my credit score ready for my mortgage application?

You can improve your credit score by following these steps.

Written by Sophia Guy-White
Updated over a week ago