A strong credit profile significantly improves your mortgage eligibility in the UK. Lenders check your credit score to evaluate your repayment reliability and overall financial behaviour.
They’ll review factors like past loans, missed payments, credit card balances, and use of overdrafts. Adverse credit, such as defaults or CCJs, doesn’t automatically disqualify you — some specialist lenders cater to applicants with imperfect credit histories.
To strengthen your chances, make sure you’re registered on the UK electoral roll, pay bills on time, and avoid applying for too many loans or credit cards before submitting your mortgage application.