Posted Date: 21/10/2025
For first-time buyers, one of the most important parts of getting a mortgage is your credit score. It helps lenders understand how you’ve managed borrowing in the past and can influence what mortgage products are available to you.
Why Credit Score Matters
A stronger credit history may give you access to more options, while a weaker score could limit your choices. Lenders may look at missed payments, outstanding debts, or how much credit you are already using. This doesn’t mean that a lower score rules you out, some lenders are more flexible than others.
Moving Forward as a First-Time Buyer
Checking your credit report before applying helps you spot any issues early. Small steps, like making payments on time and avoiding too many new credit applications, can improve your position. At Muuvin Mortgages & Protection, we support first-time buyers by guiding them through the process. To learn more, you’ll be able to view our page dedicated to first-time buyer mortgages: https://muuvin.co.uk/first-time-buyer/
Do I need a perfect credit score to get a mortgage?
No, but a higher score may give you more choice.
Can missed payments stop me getting a mortgage?
Not always. It depends on the lender and how recent the missed payments were.
Should I check my credit report before applying?
Yes, it’s a good way to make sure there are no errors or surprises.
Disclaimer
Your home may be repossessed if you do not keep up repayments on your mortgage.
This article is for general information only and should not be taken as advice. Mortgage applications are subject to status and lender criteria. The information provided is correct as of the date it was posted and may be subject to change without notice.
