Harrogate office - 01423 317002 . . .London office 0204 5385611 office@fcmortgages.co.uk

Low Credit Score

Can I get mortgage with a low credit score?

Customers frequently ask us “can you get a mortgage with a low credit score in the UK?” and the answer in many cases is YES. Although some mortgage lenders will turn you away if you have a poor credit history, other providers will base their lending decision on the severity of the credit problems, how long they’ve been on your file, and how closely you meet their other eligibility and affordability requirements.

What credit issues will a mortgage lender accept?

Some mortgage lenders might offer you unfavourable rates if you have any type of adverse credit on your file, while others may turn you away altogether. Specialist providers, however, often take a more flexible approach to mortgage customers with a low credit score or a history of credit problems, and can offer a lifeline to those with any of the following…

  • No credit history
  • Low credit score
  • Late payments
  • Missed mortgage payments
  • Defaults
  • CCJs
  • IVAs
  • Debt management Schemes
  • Repossessions
  • Bankruptcy
  • Payday Loans: Read about how they can affect mortgage applications here
  • Customers with multiple credit problems

Your home may be repossessed if you do not keep up repayments on your mortgage

Ready to Talk?

We love to hear from clients old and new. Give us a call today or complete our simple online enquiry form and we'll be in touch very soon.

Harrogate Office

01423 317002

London Office

0204 5385611



Claim your FREE Credit Report

Taking a look at your credit report will allow you to see all the information the lender will see when they check your credit report.


Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

Fiona Conway & Associates LTD Registered office: Queensgate House, 23 North Park Road, Harrogate, North Yorkshire, HG1 5PD Registered in England & Wales No: 11775867.

Fiona Conway & Associates Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 833707) for mortgages, protection insurance and general insurance products.

Some forms of Buy to Let mortgages are not regulated by the FCA.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

We will charge a fee of up to 1% of the loan amount for our service in relation to mortgage contracts, which is payable upon obtaining the legal mortgage offer. Our typical fee is £395. The precise amount we will charge is dependent on the amount of research and administration that is required. This will be disclosed to you during our initial appointment. This fee is payable on production of your Mortgage Offer and is non-refundable.

Mortgage and Insurance advice from Fiona Conway Mortgages in Harrogate and surrounding areas.