When you apply for a mortgage, lenders want to understand how you’ve handled borrowing in the past. They do this by looking at your credit score - a simple number that sums up your credit history.
22 Jan 2026
How to boost your credit score before applying for a mortgage
The higher your score, the lower risk you look, and the more likely your mortgage application is to be accepted. A lower score doesn’t mean a definite “no”, but it can make lenders more cautious.
If your score isn’t quite where you want it to be, the good news is you can improve it. Here are some straightforward ways to help boost your score and strengthen your chances of getting a mortgage.
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