Credit Check

How your credit score can affect your mortgage application

Different lenders will use slightly different lending criteria. Checking your Experian Credit Score can give you a good idea of how the lender may see you based on the information in your Experian Credit Report. Some of the things you can do to get and maintain a good credit score in the run-up to your mortgage application include:

  • Try not to make any credit applications in the six months before your mortgage application.
  • Make sure you don’t have any defaulted or delinquent credit accounts.
  • Register to vote at your current address as it proves your identity and address.
  • Never miss a credit payment and always make them on time.
  • Stay within your credit limits and keep balances to less than 50% of your limit.

The better your credit score, the higher your chances of the mortgage deals you’re after. Learn more about improving your credit score with our credit guides.

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