What Credit Score Do I Need For a Mortgage in Bristol?

Your credit score plays a role in mortgage approval, but it’s not the only thing lenders look at.

Many people worry their score isn’t high enough, especially if they’ve had credit issues in the past or don’t have much history.

The truth is, you don’t need a perfect score to get a mortgage. Different lenders assess credit profiles in different ways.

Do mortgage lenders check your credit score?

Most mortgage lenders will look at your credit score as part of the application process. It helps them understand how you’ve managed money in the past and whether you’re likely to keep up with your mortgage payments.

Lenders use your credit report to get a full picture of how you’ve managed borrowing. It shows your payment history, how much credit you’ve used, and how consistently you’ve made repayments.

Each lender looks at credit files differently, which means the outcome can vary from one to another.

As your mortgage broker in Bristol, we will try and match you with lenders who are more likely to view your credit profile positively based on your full situation.

What credit score do lenders look for?

Lenders each have their own way of assessing credit, so there’s no single number you need to reach. Many are open to a broad range of scores, especially if the rest of your application shows strength and stability.

Credit reference agencies such as Experian, Equifax and TransUnion all use different scoring models. As a result, the numbers may vary, but the underlying information remains the same.

Even if your score isn’t perfect, a lender may still take a positive view based on your wider financial history. What matters is how you’ve managed your credit, including regular payments and responsible borrowing.

Can I get a mortgage with a low credit score?

You still may be able to get a mortgage with a low credit score, but it depends on the type of credit issues and how recent they are. Some lenders are open to applications from people who have had missed payments, defaults or a limited history, as long as there’s evidence of recent stability.

Keeping up with current payments, showing a reliable income, and limiting existing credit commitments can all strengthen your application. While rates or deposit requirements may be slightly higher, there are lenders who consider more than just your score.

If you’re looking for a mortgage with bad credit in Bristol, it still may be possible to move forward, especially if your recent financial track record is improving.

What if I have no credit history?

You can still apply for a mortgage with no credit history, though your choices might be more limited. Lenders usually check your credit file to see how you’ve handled borrowing, but if there isn’t much there, they may look at other parts of your application.

This is something we often see with first time buyers in Bristol, particularly if you’ve never needed credit before or have always lived at home. In these cases, your income, job type and everyday money habits will carry more weight.

If you’re starting from scratch, simple steps like registering on the electoral roll or paying a mobile contract in your name can help build your credit over time.

How do I check my credit score before applying?

Before applying for a mortgage, it’s a good idea to check your credit score and review the details in your file. This helps you spot anything that might need updating, such as incorrect addresses or closed accounts still showing as active.

You can check your credit score for free using providers like Experian, Equifax, or TransUnion. Many also offer tips on how to improve your score and explain what each part of your report means.

Checking your score won’t affect your credit, and it can give you more confidence going into the mortgage process.

We’ve recommended Check My File for many years as it’s the only service that combines data from the UK’s three main credit reference agencies: TransUnion, Equifax and Experian. You’ll see your credit information from all three in one easy-to-read report.

Check My File offers a free 30-day trial, then £14.99 a month. You’re free to cancel at any time.

Will checking my score affect my chances?

No, checking your own credit score won’t affect your chances of getting a mortgage in Bristol. When you check your report, it’s recorded as a soft search, which doesn’t impact your score or leave any mark that lenders can see.

It’s only hard credit searches, like those carried out by lenders when you make a full application, that appear on your file and may have a small impact. A single hard search isn’t usually a problem, but too many in a short space of time can raise concerns.

Keeping track of your own credit is a smart move, and it won’t harm your application in any way.

Tips to Improve Your Credit Score Before Applying

If your credit score is lower than you’d like, there are small changes you can make to help improve it over time. Start by making sure you’re registered on the electoral roll at your current address. This helps lenders confirm your identity and gives your score a boost.

Paying bills on time, staying within credit limits, and avoiding unnecessary applications can all work in your favour. If you have unused credit accounts, it can help to keep them open, as this can show you have available credit you’re not relying on.

Lenders like to see steady behaviour over time, so even a few months of consistent financial habits can make a positive difference.

Get in touch with our team if you have any questions about what credit score you need for a mortgage or want to find out more about how the process works.

Date Last Edited: October 29, 2025