Low credit score mortgage

Mortgage lenders too often don’t fully consider all the facts about your situation, or worse, just let the computers make the decisions, which can lead to you getting declined!

Factor in any late payments, defaults, or other credit issues you may have had and you’re going to find it hard to get approved by a mortgage lender. 

Avoiding being declined is crucial as if you get rejected more than a few times, it can harm your credit rating even more, which could lead to you not getting a mortgage and therefore, losing out on your dream home or better mortgage rates. 

Did you know several factors can impact your credit score?

The first thing lenders will check when considering your mortgage application is your credit score. This will show your payment history, current debt levels and account conduct. There are numerous reasons you can have a low credit score:

⚪️ Late payments.

⚪️ Arrears.

⚪️ Defaults.

⚪️ Debt Management Plans.

⚪️ Overall outstanding debt.

⚪️ Not on electoral register.

⚪️ Debt to income ratio.

⚪️ Debt vs credit limit ratio.

⚪️ Type of debt outstanding.

⚪️ County Court Judgements.

⚪️ Past or current Payday loans.

⚪️ IVA / Bankruptcies.

👉🏽CONTACT US NOW. TO GET YOUR MORTGAGE APPROVED

Your Credit Score

We have got access to lenders who can help regardless of your credit score!

Your credit score is one of the first things a potential lender will look at when considering whether to lend to you. 

Often the lender will use different credit rating agency data and even their own credit scoring system to make a decision on whether to lend to you. 

Therefore it’s very important you have expert mortgage advice to ensure you only proceed with a lender who is likely to accept your credit score and credit data. 

 
 
 
 
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 Adam Drew 
 
 
 
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I had a very positive experience with Paul. His knowledge and expertise were invaluable to help me navigate the process as a first time buyer and his advice extended beyond just mortgage applications. I was applying with complex circumstances and Paul always dealt with my with patience, compassion, and consummate professionalism.
  
 
  
 
 
 
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 Hollie 
 
 
 
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I bought my first home in November last year, and had not a clue what I was doing. Paul was amazing in explaining everything step by step, answering any questions I had (there were a lot!) and guiding me through the process. Would 100% recommend going through him!
  
 
  
 
 
 
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 Tobias Robinson 
 
 
 
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Paul from YourPropertyFinancial was an incredible help to my partner and I as first time buyers. From our initial approach in early '24, through to our making an offer in September and completion early this year,  Paul was diligent and attentive, keeping everyone involved (including us) to every deadline and as accurate as possible. Would highly recommend.
  
 
  
 
 
 
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 Tone 
 
 
 
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We found Your Property Financial to be very professional, helpful, reassuring and very supportive. As first-time buyers we had our worries because of our lack of knowledge of the process of buying a house but Your Property Financial took their time to explain everything to us clearly on every step of the way, which alleviated any worries, and they found us a fantastic mortgage deal. The follow up calls have been very much appreciated, as has the great advice they've shared with us on this journey. Recommended.
  
 
  
 
 
 
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 Lewis Pick 
 
 
 
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Paul has been extremely helpful throughout the process of buying our first house, he has taken the time to explain all of the steps. We felt supported throughout and couldn't recommend them enough.
  
 
  
 
 
 
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 Laura Chola 
 
 
 
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Paul is great. We never went through home buying process before, so it was all very new to us, but he guided us through the whole thing, he helped much more than he needed to and stayed with us until the end of the transaction. Paul will do anything he can to work in your interest, which unfortunately is rare nowadays. Side note - our mortgage got approved within 3 days! He really knows what he’s doing! Thanks Paul!
  
 
  
 
 
 
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 Laura Smith 
 
 
 
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Paul has been incredibly reassuring, professional, and knowledgable throughout our first-time property buying experience-  I would highly recommend their service to anyone!
  
 
  
 
 
 
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 Dean Sayer 
 
 
 
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From first enquiry to completion, Paul has been amazing. He gave really great advice and lead the way through what is usually one of the most stressful experiences anyone can go through. Paul was always prompt, reassuring and extremely knowledgeable and stayed with us right to the very end. I would not hesitate to recommend Your Property Financial to anyone.
  
 
  
 
 
 
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 Allison Sharp 
 
 
 
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Highly professional service provided to a first time buyer/busy professional services advisor with patience, empathy and flexibility where rescheduling was required due to work commitments, in a complex divorce situation. Paul clearly outlined options, and continuously supported with unprompted chasers of solicitors, mortgage brokers and insurers throughout the process (including chasing GPs for medical reports required by insurers for several months) and proactive reminders on tasks / check-ins to align on status throughout the process - I can't recommend Paul/YPF enough. Thanks Paul!
  
 
  
 
 
 
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 Alex Gallagher 
 
 
 
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Your Property Financial and in particular Paul Tait are a top class operation. My experience is that regardless of the complexity of the case, Paul is so knowledgeable and well connected and so is always able to find the right options and solutions. Paul is an excellent communicator - always quick to respond and often providing updates. He has connected me to multiple colleagues in his network who have supported on topics from conveyancing to wills. I would highly recommend. 5 stars all day long.
  
 
  
 
 
 
 
   
 
 

4 benefits of having a good credit score before you buy a home:

1. Save Big on Interest: A good credit score qualifies you for lower interest rates on your mortgage. This can translate to significant savings over the life of your loan. For instance, a small difference in interest rate can mean tens of thousands of pounds saved over the term of the mortgage.
2. Unlock More Loan Options: With a strong credit score, you’ll have access to a wider range of mortgage products and lenders. This gives you more flexibility to shop around and find the best deal for your needs.
3. Qualify for a Larger Loan: A good credit score can potentially increase the amount of money you can borrow. This could allow you to afford a more expensive property or give you more breathing room with your down payment.
4. Smoother Application Process: A good credit score generally means a faster and smoother mortgage application process. Lenders are more likely to approve your application quickly when you have a strong credit history.

Don’t lose your dream home or get declined for a mortgage anymore

We have a 96% success rate with our applications for our clients who have poor credit.

Many lenders we have access to don’t even consider your credit score and take a more human approach to understand what the reason for the low score is and the specifics that led to that. 

We find the perfect fit for your circumstance and the best lender who can consider your application.

Getting a mortgage with past credit issues or low score can be tricky, but we’re here to help you and are well-connected with lenders who can consider your application so as to make sure we can get you the best terms available and keep your payments low.

Your broker here to help

Lenders have very strict criteria, which you either fit or you don’t, this is where your mortgage broker really comes into play as they know the lender’s policy inside out and will make sure your application is submitted to the most suitable lender who can consider your circumstance and help you get approved quickly. Your mortgage broker will deal with the lender directly and will present your application in the best possible light; increasing your chances of acceptance on your first application.

Receiving expert mortgage advice

Your mortgage broker will help you get approved the first time you apply and will be able to potentially arrange a bespoke mortgage just for you with the lender if your circumstances aren’t straightforward.

Your mortgage broker deals with 90+ lenders every week so knows them very well and will have just the right lender for your needs. 

First things first, you should arrange to speak to a mortgage broker who is able to help you navigate your current options and consider the different solutions to improving your credit score and/or what your mortgage options will be considering your current credit score and circumstance.

Your mortgage broker will have access to lenders who can help and in some cases lenders who don’t even look at your credit score.  

Why choose us

Making Your Low Credit Score Mortgage Journey Smooth

What is a bad credit score?: https://www.experian.co.uk/consumer/guides/bad-credit-score.html