Mortgage with a low credit score
A low credit score is a symptom, not a verdict. Whether yours comes from a thin credit history, missed payments, defaults, a DMP or simply too many hard searches, Angela specialises in matching low-score files to the sub-prime and adverse lenders who accept them.
Direct access, regular underwriter contact, and no fee if she can't help.
What might be behind the score
- Little or no credit history
- Missed or late payments
- CCJs or defaults
- Too many hard searches
- High existing borrowing
- DMP or IVA
Scores are not the whole story
Lenders do not all read a score the same way - many specialist lenders look past the number to the file behind it. A low score from a thin history is a different case from one caused by defaults, and each points at different lenders.
Angela knows the criteria inside out through regular contact with underwriting teams, which hugely increases the chance of an acceptance - even after being turned down elsewhere.
Fixing the score while fixing the mortgage
The financial M.O.T. comes as standard: what is dragging the score down, what to fix first, and when to come back - so the mortgage you can get today becomes the stepping stone to the rate you want tomorrow.
Based in Benfleet, Essex - advising clients across the whole of the UK.
…she gave me a clear plan to improve my credit score…
Fair questions, straight answers
What counts as a "low" credit score for a mortgage?
There is no single threshold - each lender scores differently, and many specialist lenders weigh the file behind the number rather than the number itself. Which is why the answer is about lender choice, not score panic.
Can I get a mortgage with no credit history at all?
A thin file makes high-street applications harder, but lenders exist who will consider it. Building a little history helps; Angela will tell you whether to apply now or strengthen the file first.
Also worth a look
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Bad credit mortgages If you've had credit issues, getting a mortgage can feel uncertain - but bad credit does not automatically mea… -
Mortgage with missed payments Missed or late payments on your credit file make high-street applications nervous, but they are far from a dea… -
Mortgage with defaults Defaults on your credit file, even ones that are not paid off, do not automatically rule out a mortgage. Angel…
Worried about a low credit score?
Every lender scores differently, so being declined by one does not rule out the rest. Find out what your file can support.
Seven quick questions. Nothing touches your credit file.
or call 01268 387898