Simple steps that could save you thousands — and boost your chances of approval.
If you’re planning to apply for a mortgage but your credit score isn’t in the best shape, don’t panic. Even small changes can make a big difference when it comes to improving your credit and strengthening your mortgage application.
Here’s what works — and what to avoid.
🧠 Why Does Your Credit Score Matter?
Lenders use your credit score to help decide:
- Whether they’ll lend to you at all
- How much they’ll offer
- What interest rate you’ll pay
A better credit score = more choice and cheaper deals.
✅ 10 Ways to Improve Your Credit Score Fast
- Register on the electoral roll
- Pay all bills on time (especially credit cards, utilities, mobile phones)
- Keep credit card balances low (under 30% of your limit)
- Don’t take out new credit unless you have to
- Avoid payday loans and ‘buy now, pay later’ apps
- Check your credit report for errors (Experian, Equifax, TransUnion)
- Ask for old defaults/CCJs to be marked as satisfied
- Don’t apply for multiple credit cards at once
- Use tools like Loqbox or Experian Boost to build payment history
- Keep old credit accounts open to show long-term stability
🕒 When Should I Start Working on My Credit?
3–6 months before applying is ideal — but even 30 days of improved behaviour can help.
📉 What Hurts Your Credit Score the Most?
- Missed or late payments
- Maxed-out credit cards
- Repeated applications for credit
- Joint accounts with someone with poor credit
- Going over overdraft limits
💬 Let’s Get You Mortgage-Ready
Improving your credit score doesn’t have to be complicated — and you don’t have to do it alone. I’ll help you understand what lenders look for and create a plan that puts you in the best position.
✅ Credit report review & advice
✅ Step-by-step guidance
✅ Access to lenders who see the full picture