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Your credit score is a score that is used by lenders to determine your eligibility for a credit card, loan, mortgage or credit service. 


Mortgage lenders use a number of different agencies and each one scores you differently, so before you apply for a mortgage it is a good idea to check your credit score with more than one. 


What is classed as a good credit score? 


Score classifications vary from agency to agency. Some are out of 999, some are out of 700.  


As expected, the higher your score, the better it is. 


What if I have a bad credit score? 


If you have a bad credit score, you’re less likely to be accepted for a mortgage. 


However, don’t assume you will be rejected. There are plenty of factors that lenders take into consideration, such as your affordability and income. 


Lenders will even consider your application if you are an existing customer with a good record with them. And, of course, a good-sized deposit of at least 10% will put you in good stead. 


If you have had bad credit problems, there are lenders who specialise in bad credit mortgages, and our expert advisers are able to advise on these lenders and mortgages. 


For advice on getting a mortgage with bad credit, speak to one of our expert advisers who will be able to help you with the next steps.