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A higher credit score means you’re more likely to get the best mortgage deals
Improve your chances
Avoid the shock of being rejected for a mortgage by understanding how lenders may see you before you apply
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your mortgage chances
The higher your credit score...
The better your chances of being accepted for a mortgage. You can check your score as often as you like, it won't harm it.
You may be able to get a mortgage with bad credit...
But you may have to pay higher interest rates. Some lenders even offer mortgages designed especially for those with poor credit. You can check your Experian Credit Score for free to see whether you may face a problem.
The bigger your deposit...
The more deals will be open to you. Rates will be lower for those with a 10% deposit - and will drop again for those that can afford a 15% deposit. Every 5% can make a difference. So, if you're near a 5% deposit milestone, it could be worth trying to stretch a little to get a better rate.
Lenders will take your household bills into account...
When deciding whether you can afford a mortgage or not. They'll also consider any other regular payments you make (such as childcare costs) along with any debts such as loans or credit cards.
See which lenders are most likely to accept you...
Compare mortgages from over 100 trusted lenders across the market, so you can find the perfect deal. At Experian, we can show you the lenders most likely to accept you. Searching will never hurt your score.