Yes — and it starts with knowing how lenders really see you.
If your credit score is less than perfect, you might be wondering if you’ll be laughed out of the bank when applying for a mortgage. The good news? You’re not alone — and you’re definitely not out of options.
📉 What Is a Poor Credit Score?
Each credit agency uses different scoring systems. Here’s a rough guide:
| Agency | Poor Score Range |
|---|---|
| Experian | 0–560 |
| Equifax | 0–438 |
| TransUnion | 0–550 |
A poor score might be due to:
- Missed or late payments
- Defaults or CCJs
- Payday loans
- Low credit history (thin file)
- High credit usage
But a number alone doesn’t tell the whole story.
🏠 Can I Still Get a Mortgage?
Yes — many lenders don’t use the credit score itself. They use your credit report and overall profile to decide.
Lenders assess:
- Payment history
- Recent vs. old credit issues
- Income and outgoings
- Deposit size
- Stability (job, address history)
If your credit score is poor, you’ll likely need:
✅ A larger deposit (15–30%)
✅ Fewer recent issues
✅ A broker who knows specialist lenders
💡 Tips to Improve Approval Odds
- ✅ Get a copy of your credit report (not just your score!)
- ✅ Register on the electoral roll
- ✅ Reduce debt and credit utilisation
- ✅ Avoid applying for other credit
- ✅ Work with a broker for the right lender match
💬 You Deserve a Fair Shot at a Mortgage
Poor credit doesn’t mean poor chances — not with the right support. I’ll help you build your case, find the most flexible lenders, and get you on the property ladder.
✅ Tailored advice for low credit score clients
✅ Honest assessment and lender matching
✅ Help with credit report reviews