13/10/2026
A lower credit score does not automatically mean a mortgage is out of reach.
If you have missed payments in the past, lenders may consider what happened, how long ago it occurred, the amount involved and your wider circumstances. 📋🏡
Each lender has its own criteria. Speaking openly with a mortgage adviser could help you understand which options may be suitable for your situation.
Read our blog to explore how credit history can affect a mortgage application: https://tinyurl.com/fwkxs2tp
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Approved by The Openwork Partnership on 06/10/2026