If you’re planning to apply for a mortgage, your credit score plays a big part in how lenders assess your application. While it’s not the only thing they look at, it does influence your options, especially when it comes to the types of products available and the rates you’re offered.

Whether you’re a first time buyer, moving home, or thinking about later life options, it’s always worth checking your credit report and taking steps to improve it. Even small changes can help make your application stronger, and in some cases, unlock better deals.

It’s smart to use a tool like Check My File as a means of reviewing your own credit score, as this combines data from multiple sources to give you a better look at your history. People who sign up will receive a free 30-day trial, which can be cancelled at any time.

Try it FREE for 30 days, then £14.99 a month – cancel online anytime.

Are credit scores important?

Yes, your credit score helps lenders understand how you’ve managed borrowing in the past. It shows your repayment history, how much credit you’re using, and whether you’ve ever missed payments or had defaults. A strong score can give you access to more lenders and lower interest rates. If your score is low or your credit file has gaps, it might limit your options or mean a higher rate is offered.

It’s also worth noting that each lender has their own way of assessing credit history. Some may be more flexible than others, especially if you have a good deposit or strong affordability. Our team will always match you with lenders that are more likely to say yes, but it still helps to improve your score wherever possible.

Tips to Improve Your Credit Score

Check Your Credit File for Mistakes

It’s important to review your credit report before applying for a mortgage. You can check your file using agencies like Experian. Look out for any errors, such as old addresses, incorrect missed payments, or outdated accounts. If anything looks wrong, you can raise it with the credit agency to have it corrected.

Register on the Electoral Roll

Being registered to vote at your current address helps lenders confirm your identity and where you live. It’s a simple step that can make a real difference to your credit score.

Make Payments on Time

Paying bills, credit cards, and loan repayments on time shows lenders that you’re reliable. A single missed payment can stay on your file for six years, so setting up direct debits for minimum payments can help avoid any accidental slip-ups.

Stay Within Overdraft Limits

Occasional use of your overdraft isn’t usually a problem, but regularly being at or over the limit can raise concern for some lenders. Try to keep your bank account in a positive balance where possible.

Consider Linking a Joint Account if Appropriate

If you’re applying for a mortgage with a partner and one of you has stronger credit, a joint account can sometimes help balance your profiles, though it can also link your credit files, so it’s worth reviewing the pros and cons.

Speak to a Mortgage Advisor in Manchester

At Manchestermoneyman, we work with customers across a range of credit backgrounds from excellent to bad credit. Whether you’re looking to improve your credit score ahead of applying, or unsure where you stand, our team can help you review your situation and talk through your mortgage options.

We’ll also explain how your credit history affects your application and recommend lenders that suit your circumstances. If improvements can be made before applying, we’ll give you practical, clear mortgage advice on how to get started.

Date Last Edited: October 27, 2025