Improve Your Credit Score
Your credit score plays a big role in mortgage approval—right alongside your income and deposit. Every lender has slightly different criteria, but a strong credit history can help you access better rates and improve your chances of success.
Here are some simple tips to boost your credit score:
Credit Cards
Using a credit card responsibly helps demonstrate you can manage credit.
- Pay off the full balance each month
- If you don’t have one, consider applying—but only if you’re confident you can manage it well
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Register to Vote
Being on the electoral roll at your current address improves your score.
- You can register online via your local council website
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Avoid Pay Day Loans
Pay day loans and some “Buy Now, Pay Later” schemes can seriously damage your score
- Many lenders see these as high-risk and will automatically decline applications linked to them
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Keep Bank Activity Clean
Lenders will check your bank statements, so avoid:
- Payments to pay day lenders or online betting sites
- Cash withdrawals from credit cards
- Missed payments or going into unauthorised overdrafts
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Minimise Credit Applications
Too many recent applications for credit, loans, mobile contracts, or insurance can lower your score.
- Only apply for credit when necessary
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Check Your Credit File
Stay in control by reviewing your report regularly.
You can check it for free for 30 days, then £14.99/month – cancel anytime.
Need help preparing for your mortgage application?
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📞 Call us on 07825 770882 or book a free consultation - we’ll help you get mortgage-ready with confidence.
