Is it possible to get a “no credit check” mortgage?

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.

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warning icon Warning: your home may be repossessed if you do not keep up repayments on your mortgage.
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.

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2 Responses

  1. Default Gravatar
    RonApril 15, 2019

    I am a pensioner and my wife has 11 years to go before pension age.

    We would like an option of owning our own home /flat fir a sense of security & fear of being homeless.
    I am retired in a pension etc of £2200/month .
    She is a nurse currently my Carer.

    Please any advise on options to own our own home would be very much appreciated.

    How would I vecsnke to get a home in UK as a pensioner with a deposit of 30 000.
    I have no other funds and my wife is my Carer.

    We may be thrown out of our house soon as the landlady wants to rent the flat for more money which we cannot afford .
    We wondered what our options are?

    Are there cheaper homes /flats for pensioners specifically ?
    Are there home loans fir over 55’s ?
    Are there concessions for key workers ?
    What are our options please to own our own flat /home on a low income ?

    Thank you.


    • Avatarfinder Customer Care
      johnbasanesApril 16, 2019Staff

      Hi Ron,

      Thank you for reaching out to Finder.

      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. You may also find our Finder article on getting a mortgage on low income helpful in your cause. Please click this link to be routed to that page. Lastly, applying for council housing could also be an option that you could look into for this. Hope this helps!


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