Yes — but it’s not always easy. No credit is not the same as bad credit, but it still raises flags for many lenders.
Having no credit history might sound like a good thing — after all, you’ve never had debt! But to lenders, it’s like trying to read a blank book. They don’t know how you handle repayments, so they treat it as unknown risk.
Here’s what you need to know (and do) to get mortgage-ready.
❓ Why Is No Credit a Problem for Lenders?
Most lenders use your credit report to assess:
- How well you manage money
- Whether you repay on time
- How much credit you use
With no data, they can’t make those decisions — so they either reject the application or request a bigger deposit.
🏠 Can I Still Get a Mortgage Without a Credit Score?
Yes, especially if:
- You’ve got stable income
- A healthy deposit (15–20%+ helps)
- A clean bank statement (no bounced payments, no gambling)
Some lenders will take a manual approach — especially building societies and niche lenders.
✅ How to Build a Credit Profile (Quickly & Safely)
If you’re not in a rush, try these to improve your chances:
- ✅ Get a credit builder credit card — use it monthly, repay in full
- ✅ Register on the electoral roll
- ✅ Set up a phone contract or utility bills in your name
- ✅ Open a small overdraft and don’t use it
- ✅ Use tools like Loqbox or Experian Boost to build a profile
It only takes a few months of good habits to start building credit.
💬 Don’t Let a Blank Credit File Hold You Back
A clean slate doesn’t mean you’re not a good borrower — it just means you need a bit more guidance. I’ll help you find the lenders who look at the full picture.
✅ Advice for first-time borrowers
✅ Support building your credit profile
✅ Lender options for limited history