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. ๐๐ก
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