Looking for a mortgage but have a low credit score? You’ve come to the right place. We are specialized mortgage brokers known for successfully securing mortgages for individuals with low credit scores, just like you.

Is it possible to obtain a mortgage with a low credit score?

Certainly! Obtaining a mortgage with a low credit score is possible. There are specialized lenders who cater to individuals with poor credit histories or low credit scores. Typically, these lenders are accessible through mortgage brokers rather than appearing in online searches.

Having a low credit score might result in higher interest rates or limitations on borrowing amounts. This could necessitate a larger deposit, typically around 20-25% of the property value, rather than the more common 10%.

When seeking a mortgage with a poor credit score, demonstrating financial responsibility by maintaining regular payments and effective budgeting can enhance your chances of approval. For instance, ensuring you have surplus funds at the end of each month.

Customer Reviews

⭐⭐⭐⭐⭐ 5 rating of 19 reviews

Lee Underwood

We have recently used the services of Lynton Mortgages regarding re-mortgaging.

The advice and service was first class! Rob was very friendly and personable and gave us a range of options, some of which we hadn’t considered.
Throughout, we genuinely felt that he had our best interests at heart – which was refreshing and reassuring.

Would recommend unreservedly.


We used Lynton Mortgages to Remortgage. It was our first Remortgage and felt like a minefield as we bought a new house with help to buy. Rob guided us through the process, offering really in depth advice about our future financial plans. He dealt with the legal side and also advised us our insurances. Really pleased with Lynton Mortgages and delighted that we were not charged a fee. Would recommend to all.

Michael Revill

Rob was recommended to us as a proven mortgage advisor and helped us get a great deal.

As first time buyers Rob took the time to thoroughly explain every aspect of the process, ensuring we felt confident and informed throughout.

I would highly recommend Rob to anyone seeking expert mortgage advice.

Stacey Machin

Rob at Lynton Mortgages can not do enough to help support you though one of the biggest and stressful decisions of your life.

Recommended by a friend he helped with the process from start to finish explaining everything as we went.
For me it was my first time, I didn’t know what to expect and nothing was too much trouble for Rob.

If anyone is ever unsure of where to start with Mortgage advice I would recommend you start here.

Melanie Hurst

Rob is very experienced and capable advisor. He took the time to listen to my needs and reviewed the market to find the best deal to suit my requirements, explaining the options to me thoroughly. He project managed the whole process to provide smooth interactions between the lender, solicitors and myself and kept me up to date throughout so I felt reassured of the process, my obligations and the timings involved. Would highly recommend to anyone who needs support and understanding when considering a new mortgage or looking to re-mortgage as Rob really takes the stress out of the process for you.

Bruce Dennison

Rob advised myself and my wife through our first mortgage in our new property. Everything went through very satisfactorily and professional. I would definitely recommend Rob & Lynton mortgages for any mortgage help and advice in the future.


Your credit score is a three-digit number based on all the stuff that goes into your credit report. Any time you’ve borrowed money – such as a credit card, loan or mobile phone contract – it all goes into your credit report. Your score gives lenders a look at what you’ve been like when it comes to repaying what you’ve borrowed. Things that affect your score are things like whether or not you pay your bills on time.

Your score is between 0-999. The score you have depends on which credit referencing agency you are checking your score with. For example:

Experian gives a credit score out of 999. They class a ‘good’ credit score to be anywhere between 881 and 960. And a  ‘fair’ or ‘average’ score is between 721 and 880.

Equifax gives a credit score out of 700. They class a ‘good’ credit score as anything that’s 420 or above.

TransUnion gives a credit score out of 710. Scores between 604-627 are considered ‘good’ and scores of 628 and above are considered ‘excellent’.

Generally, a score of 700 or higher is considered to be good, but below 670 is considered fair, while below 580 would be considered poor. The lower your credit score, the less likely you are to be accepted by mainstream lenders for credit – like a mortgage.

For a detailed and thorough overview of everything in your credit record, go to checkmyfile*. They show you the information from all three credit checkers and you can download your report for free with a 30 day trial (usually £14.99 a month).

*Heads up, when you click through to our affiliate links, we may earn a small commission at no extra cost to you. We only recommend sites we truly trust and believe in.

There’s lots of reasons you might have a low credit score which could leave you struggling to get a mortgage. For example, if you miss a payment or pay a bill late for your mobile phone or a house utility, it’ll be logged in your credit history.

Other more serious financial issues like filing for bankruptcy or having a county court judgement (CCJ) will also bring your score down, and can make you look more ‘risky’ to lenders.

Lenders will use your credit history to decide how reliable you are when it comes to repaying debts in the past. Your credit history gives the lender a picture of your current financial situation, and they’ll use it to predict how your finances might change going forward once you have a mortgage.

Your credit history can also have an impact on the kind of interest rates that you’ll be offered.  For example, you might not be eligible for some of the introductory rates.

You can get individual copies of your credit report from each main credit agency such as EquifaxExperian and Trans Union. However, they all differ slightly in what they show you. So for a detailed and thorough overview of everything in your credit record, go to checkmyfile*. Checkmyfile shows you the information from all three credit checkers so you get a much better picture of how you’ll look to lenders. The best part? It’s free with a 30 day trial (usually £14.99 a month).

*Heads up, when you click through to our affiliate links, we may earn a small commission at no extra cost to you. We only recommend sites we truly trust and believe in.

This depends on your unique situation and what mortgages are available to you. Different lenders will have different criteria for deposit amounts when you have a low credit score. They’ll look at a few different things like the type of debts you have outstanding and how much you owe, as well the property that you’re looking to buy, and how much it’s worth.

For mortgages with a poor credit rating (as with any mortgage) the bigger a deposit you can afford to pay, the better. A bigger deposit means you’ll get better interest rates, and ultimately be able to borrow more.

Usually, the higher your credit score, the easier it is to get approved for a mortgage. So it’s always a good idea to do what you can to improve your score before applying. If you’re really pushed for time but need to apply for a mortgage with a poor credit score, make an enquiry and one of our friendly Mortgage Experts will look at your options.

Here are some top tips for improving a low credit score:

  • Pay off any outstanding debt in full (including credit cards, loans, and similar). If that’s not possible, just pay as much as you can.
  • Make sure you’re listed on the electoral roll.
  • Consider reviewing the number of credit cards and accounts you’ve got open. Even if they don’t have outstanding balances.
  • Use your available credit in a sensible way. For example, make small purchases on your credit card and pay off the balance in full each month. That can help build your score because it shows that you’re making repayments on time.
  • Another option is to wait until bad credit issues like CCJS or IVAs are removed from your file.

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