{"id":601,"date":"2024-04-30T12:11:08","date_gmt":"2024-04-30T11:11:08","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=601"},"modified":"2024-05-22T17:14:47","modified_gmt":"2024-05-22T16:14:47","slug":"credit-score-mortgages","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score-mortgages\/","title":{"rendered":"How do lenders use your credit score for mortgage applications?"},"content":{"rendered":"<div class=\"c-contents js-toggle c-contents--open\" id=\"\" data-toggle-active=\"c-contents--open\">\n    <button class=\"c-contents__header js-toggle-trigger\">\n        <h2 id=\"contents\" class=\"c-contents__title\">Contents<\/h2>\n        <svg class=\"c-icon c-icon--chevron-line-down c-contents__header__chevron\"><use xlink:href=\"#icon-chevron-line-down\"><\/use><\/svg>    <\/button>\n    <div class=\"c-contents__body js-contents-body\">\n        <div class=\"row\">\n            <div class=\"col-12 col-md-6\">\n                <ul class=\"list-unstyled mb-0\"><li><a href=\"#applications\" target=\"\" class=\"text-decoration-none c-link\">How are personal loan applications different from mortgages?<\/a><\/li>\n<li><a href=\"#credit-assessment\" target=\"\" class=\"text-decoration-none c-link\">Why do I need a good credit score to get a mortgage?<\/a><\/li><\/ul>            <\/div>\n            <div class=\"col-12 col-md-6\">\n                <ul class=\"list-unstyled mb-0\"><li><a href=\"#minimum-credit-score\" target=\"\" class=\"text-decoration-none c-link\">Your credit score, size of deposit and Loan to Value (LTV)<\/a><\/li>\n<li><a href=\"#reasons-for-decline\" target=\"\" class=\"text-decoration-none c-link\">Why was my mortgage application declined?<\/a><\/li><\/ul>            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<p>Your&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score\/\">credit score<\/a>&nbsp;is used to give mortgage lenders an idea of how you\u2019ve managed credit in the past. The higher your credit score is, the more options you\u2019ll have when it comes to getting approved for a mortgage. But it\u2019s just one of the things mortgage lenders consider when you apply.<\/p>\n\n\n\n<p>Lenders will also carry out an&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\">affordability assessment<\/a>. The amount that you earn forms the basis for lenders to determine how much you\u2019ll have left each month to pay towards your mortgage, as well as things like existing credit payments.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score\/\"\n   target=\"\"\n   class=\"c-related-slim\"\n   id=\"\">\n    <div class=\"c-related-slim__icon\">\n            <\/div>\n    <div class=\"c-related-slim__body\">\n        <div class=\"c-related-slim__legend\">MORTGAGE GUIDES<\/div>\n        <div class=\"c-related-slim__title\">What is a credit score and how can you improve yours?<\/div>\n    <\/div>\n    <div class=\"c-related-slim__cta\">\n        <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>    <\/div>\n<\/a>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"applications\">How your credit score is used: how are personal loan applications different from mortgages?<\/h2>\n\n\n\n<p>When applying for certain kinds of credit, such as a personal loan, or a credit card, your credit score is often the main thing a lender will use to decide whether to offer you credit, and the rate they will offer. It has a major influence on how much you can borrow.<\/p>\n\n\n\n<p>Lenders need to determine whether you\u2019ll be able to maintain payments on your loan. And your credit rating provides them with the strongest indication of this.<\/p>\n\n\n\n<p>A higher credit score means you\u2019ve shown a good track record of keeping your finances in order and maintaining loan and credit repayments, so lenders will see you as a lower risk.<\/p>\n\n\n\n<p>Lenders stand to lose the outstanding balance of personal loans or credit card debts if borrowers are unable to repay. This is called \u2018unsecured\u2019 lending, and rates are generally higher than mortgages, even though the loan amounts tend to be smaller, and the terms shorter.<\/p>\n\n\n\n<p>A mortgage is very different to a personal loan or credit card, because the loan is secured against a property. Therefore, if a borrower can no longer meet the repayments, the lender can sell the property to repay the outstanding debt. And this is why mortgages have lower&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/interest-rates\/\">interest rates<\/a>&nbsp;than personal loans.<\/p>\n\n\n\n<p>But lenders really don\u2019t want to be in the position of having to take possession of a property, and there is lots of regulation and good practice within the industry to protect borrowers, to make sure this is always a last resort.<\/p>\n\n\n\n<p>Our mortgage expert, Matt Smith, says: \u201cIf you ever find yourself in a position where you feel you\u2019re unable to make your mortgage payments, the best thing to do is to speak to your lender, as they\u2019ll have a range of options available to help you.\u201d<\/p>\n\n\n\n<p>You can also find advice on sites such as&nbsp;<a href=\"https:\/\/www.stepchange.org\/\">StepChange<\/a>,&nbsp;<a href=\"https:\/\/www.citizensadvice.org.uk\/\">Citizens Advice<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.moneyhelper.org.uk\/en\">MoneyHelper<\/a>.<\/p>\n\n\n<div class=\"c-related my-4\" id=\"\">\n    <h2 id=\"related-guides-and-news\" class=\"c-related__title\">Related guides and news<\/h2>\n    <div class=\"row gy-4\">\n                    <div class=\"col-12 col-lg-6\">\n                <div class=\"c-related__item\">\n                    <div class=\"c-related__item-title\">\n                        What is the Mortgage Charter and what help does it offer borrowers?                    <\/div>\n                    <a href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/mortgage-charter-help-for-borrowers\/\" target=\"\" class=\"c-related__cta\">Read now<svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg><\/a>                <\/div>\n            <\/div>\n                        <div class=\"col-12 col-lg-6\">\n                <div class=\"c-related__item\">\n                    <div class=\"c-related__item-title\">\n                        What is a mortgage broker or adviser?                    <\/div>\n                    <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\" target=\"\" class=\"c-related__cta\">Read now<svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg><\/a>                <\/div>\n            <\/div>\n                <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"credit-assessment\">Why do I need a good credit score to get a mortgage?<\/h2>\n\n\n\n<p>Similar to personal loan providers, your credit score is very important to a mortgage lender, as you\u2019ll need to pass the lender\u2019s credit assessment to get an offer. However, when it comes to getting a mortgage, your score isn\u2019t the main factor in determining how much you can borrow, and it also doesn\u2019t really impact the interest rate you\u2019re offered.<\/p>\n\n\n\n<p>The amount you can borrow is determined by an&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\">affordability assessment<\/a>. And your interest rate is determined by the amount of deposit you have, otherwise known as loan-to-value (LTV). LTV is expressed as a percentage, and it reflects the size of the mortgage you need as a proportion of the value of the home you want to buy. The bigger the deposit you have, the lower the LTV, and vice-versa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"minimum-credit-score\">How your credit score, size of deposit and loan-to-value impact a lender\u2019s assessment<\/h2>\n\n\n\n<p>Given that a mortgage is a loan against a property, the size of your deposit has a big impact on the risks that a lender considers.<\/p>\n\n\n\n<p>The more deposit you put down, the less likely the lender is to lose money. For example, if you put down a 5% deposit on your home, the lender provides the remaining 95% with the mortgage. But if you had paid a 15% deposit and the lender provided an 85% loan, the likelihood of the lender losing money, should they have to sell the property, is much lower.<\/p>\n\n\n\n<p>This is why a 95% mortgage comes with a higher mortgage interest rate than a mortgage at 85%.<\/p>\n\n\n\n<p>Not only does the amount of deposit you put down determine your mortgage interest rate, it also has a direct impact on a lender\u2019s credit assessment. Lenders each have criteria in place which effectively sets the minimum credit score they\u2019ll accept across different loan sizes and LTV ratios.<\/p>\n\n\n\n<p>In short, the higher your credit score is, the more options you\u2019ll have when it comes to getting a mortgage.<\/p>\n\n\n\n<p>Matt says: \u201cWhile a mortgage lender will use your credit score to gauge whether you\u2019re likely to maintain your monthly payments, the size of your deposit and your LTV ratio will be the determining factors of whether to lend to you, and at what rate.\u201d<\/p>\n\n\n\n<p>\u201cFor first-time buyers, it\u2019s very important to consider their credit score as they get ready to buy a home. It\u2019s particularly important for this group as usually they need higher LTV ratios, and have smaller deposits,\u201d he adds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"reasons-for-decline\">I have an excellent credit rating. Why was my mortgage application declined?<\/h2>\n\n\n\n<p>Although a high credit score is a good indicator of how likely you are to meet your mortgage repayments, it\u2019s not the only thing that\u2019s considered when you\u2019re applying for a mortgage.<\/p>\n\n\n\n<p>Your income and expenditure form the basis of how much you can borrow. And there are other factors lenders need to consider when assessing your mortgage affordability. These assessments are detailed and can be complicated. You can&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\">find out how much you can borrow with a mortgage<\/a>&nbsp;and read more about each stage of the process&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\">here<\/a>.<\/p>\n\n\n\n<h2 id=\"what-should-i-do-if-my-mortgage-application-has-been-declined\" class=\"wp-block-heading\">What should I do if my mortgage application has been declined?<\/h2>\n\n\n\n<p>Receiving a mortgage decline decision for any reason can be frustrating, and if you\u2019re declined because of your&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score\/\">credit score<\/a>, it\u2019s not always easy to understand why. But there are things you can do.<\/p>\n\n\n\n<p>Matt says: \u201cIf a lender has given you a credit decline, the lender may still accept an application from you at a lower loan-to-value ratio.<\/p>\n\n\n\n<p>If the reason for the decline is mostly down to your credit score, and you\u2019re able to increase the size of your deposit \u2013 reducing your loan-to-value \u2013 the same lender may accept you. That\u2019s not always the case though, and bear in mind that other lenders will have different risk assessments, and different approaches.\u201d<\/p>\n\n\n\n<p>If you\u2019re declined by a lender because of adverse credit, or county court judgements (CCJs) against you, that doesn\u2019t mean you\u2019re ruled out of getting a mortgage. There are lenders who can help you if you\u2019re in this situation. You might want to get in contact with a&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/guides\/buyer\/mortgages-and-financing\/mortgage-broker-adviser\/\">mortgage broker<\/a>, who\u2019ll be able to advise you on the next steps.<\/p>\n\n\n\n<p>These lenders often charge higher rates than high-street lenders, and are usually only available via brokers.<\/p>\n\n\n<div class=\"c-related my-4\" id=\"\">\n    <h2 id=\"related-guides-and-news\" class=\"c-related__title\">Related guides and news<\/h2>\n    <div class=\"row gy-4\">\n                    <div class=\"col-12 col-lg-6\">\n                <div class=\"c-related__item\">\n                    <div class=\"c-related__item-title\">\n                        How can a mortgage broker help if your application has been declined?                    <\/div>\n                    <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-help-mortgage-declined\/\" target=\"\" class=\"c-related__cta\">Read now<svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg><\/a>                <\/div>\n            <\/div>\n                        <div class=\"col-12 col-lg-6\">\n                <div class=\"c-related__item\">\n                    <div class=\"c-related__item-title\">\n                        What are mortgage terms and how do they work?                    <\/div>\n                    <a href=\"https:\/\/www.rightmove.co.uk\/guides\/buyer\/mortgages-and-financing\/what-is-a-mortgage-term\/\" target=\"\" class=\"c-related__cta\">Read now<svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg><\/a>                <\/div>\n            <\/div>\n                <\/div>\n<\/div>\n\n\n<div class=\"c-section c-section--primary-lighter my-4 c-section--has-icon\" id=\"\">\n    <h2 class=\"c-section__title\">\n        To summarise&#8230;<div class=\"c-section__title__icon\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/contents.png);\"><\/div>    <\/h2>\n    <div class=\"c-section__content\">\n        <ul>\n<li><strong>Your credit score:<\/strong> lenders need to determine whether you\u2019ll be able to maintain payments on your loan, so a higher credit score means you\u2019ve shown a good track record of keeping your finances in order and maintaining loan and credit repayments, so lenders will see you as a lower risk.<\/li>\n<li><strong>Affordability assessments:<\/strong> your credit our score isn\u2019t the main factor in determining how much you can borrow. This is determined by an affordability assessment, and your interest rate is determined by the amount of deposit you have, otherwise known as loan-to-value (LTV).<\/li>\n<li><strong>What to do if you&#8217;re mortgage application has been declined:<\/strong> If you\u2019re declined by a lender because of adverse credit, that doesn\u2019t mean you\u2019re ruled out of getting a mortgage. There are lenders who can help you if you\u2019re in this situation. You might want to get in contact with a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-help-mortgage-declined\/\">mortgage broker<\/a>, who\u2019ll be able to advise you on the next steps.<\/li>\n<\/ul>\n    <\/div>\n<\/div>\n\n\n\n<p>Please note: Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.\u202f<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your&nbsp;credit score&nbsp;is used to give mortgage lenders an idea of how you\u2019ve managed credit in the past. The higher your credit score is, the more options you\u2019ll have when it comes to getting approved for a mortgage. But it\u2019s just one of the things mortgage lenders consider when you apply. Lenders will also carry out [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1201,"parent":655,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":""},"class_list":["post-601","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How do lenders use your credit score for mortgage applications? - Rightmove<\/title>\n<meta name=\"description\" content=\"Your credit score gives mortgage lenders an idea of how you\u2019ve managed credit. 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