No credit check mortgages no longer exist in the UK, but there are still ways to get a mortgage, even with a poor or limited credit history.
So while you will always need to undergo a credit check, there are some mortgage brokers and lenders who have experience in dealing with low credit scores, and who are more willing to receive applications from those without a perfect rating.
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Should I use a mortgage broker?
Mortgage advice from a reputable independent broker can be an invaluable service to you, even if you have a low credit score. We recommend speaking with one about your options before approaching any lender.
When you receive mortgage advice, your mortgage broker has a duty of care to you. They must recommend a suitable mortgage and be able to justify why the mortgage is right for you.
Mortgage brokers must be qualified to give you mortgage advice, so you can rest assured that if you choose to use one, you will be getting the best information available to you.
On your side
An independent mortgage broker isn’t on the lender’s side, they’re on yours, and they’ll give you access to far more products than if you went directly to a lender.
Knowing the industry
Having a mortgage broker on your side who understands the industry is invaluable. A broker deals with lenders on a day-to-day basis – they’ll know what the application process is like for each one and which lender can process things with minimal delays.
How to improve your credit score
Having a low credit score can make applying for financial help more difficult. Luckily, there are a few easy ways to improve it.
- Make sure you are on the electoral roll at your address. This is easy to do and immediately improves your score. Not doing so will almost always get you rejected for credit.
- Pay off all outstanding debts as soon as possible.
- Close down credit cards you are no longer using. The more credit at your disposal, the more of a risk you are deemed to pose.
- Take out a “bad credit” credit card with a higher APR and lower spending limit. Use it sparingly, pay it back in full and on time to prove you can handle monthly repayments.