If you’re thinking about applying for a mortgage, one of the first things you’ll hear is:
“Make sure your credit score is in good shape.”
But what does that actually mean?
Who’s keeping track?
And most importantly—how can you improve your credit score if it’s not where you want it to be?
Don’t worry—we’ve got you covered. At HLC Mortgages, we believe mortgage advice shouldn’t feel like decoding a secret language. So in this guide, we’ll break it all down in clear, simple terms to help you understand your credit score and take steps to boost it.
What is a credit score, anyway?
Your credit score is a number that shows how reliable you are when it comes to borrowing money and paying it back. It’s based on your credit history—a record of how you’ve handled things like credit cards, loans, bills, and yes, even your mobile phone contract.
In the UK, three main credit reference agencies track this: Experian, Equifax, and TransUnion. Each one uses a slightly different scoring system, but the basic idea is the same:
The higher your score, the better you look to lenders.
Why does your credit file matter for a mortgage?
When you apply for a mortgage, lenders check your credit file to decide:
- How good you are at paying back debt on time
- Your income to debt ratio
- Whether they’ll lend to you
- How much they’ll offer
- What kind of interest rate you’ll get
A strong credit file can open doors to better mortgage deals with lower interest rates. But if your score’s on the low side, you might:
- Need a bigger deposit
- Get offered a higher interest rate
- Be declined by some lenders altogether
That’s why it pays to give your score a boost before applying.
How to check your credit score (for free)
Before you start improving your score, it’s a good idea to check where you currently stand.
You can check your credit score for free using:
- ClearScore (Equifax)
- Credit Karma (TransUnion)
- Experian (free version available)
It only takes a few minutes, and you’ll get a breakdown of what’s helping or hurting your credit rating.
10 Simple Ways to Uplift Your Credit Score
Here are some practical, no-nonsense tips that can make a real difference:
- Register to vote
Being on the electoral roll makes it easier for lenders to verify your identity. It’s a quick win that can instantly boost your credit score.
- Pay bills on time
This one’s big. Make sure you’re paying things like your phone bill, utility bills, and credit cards on time. Late payments stay on your file for up to six years.
- Keep credit card balances low
Try to use less than 30% of your credit limit. If you’ve got a card with a £1,000 limit, aim to keep the balance below £300.
- Avoid applying for lots of credit at once
Each application can leave a footprint on your report. Too many in a short space of time can make you look risky.
- Check your credit file for errors
Mistakes do happen. Look out for accounts that don’t belong to you or incorrect addresses. You can dispute errors with the credit agency.
- Build credit history with a credit builder card
If you’ve never borrowed before, lenders can’t see how you manage credit. A credit builder card (used sensibly) can help you establish a track record.
- Don’t close old accounts (if you don’t need to)
Older accounts show long-standing, stable behaviour. Unless there’s a good reason, keeping them open can help your score.
- Keep up with direct debits
Set up direct debits for at least the minimum payment on credit cards or loans. It helps you stay on track and avoid missed payments.
- Use tools like Experian Boost
Some services let you link your bank account to show regular payments (like Netflix or council tax), which can improve your credit profile.
- Ask to be added to household accounts
If you live with someone who has good credit, being named on a shared utility account (like energy or broadband) could benefit you too.
How long does it take to improve a credit score?
There’s no overnight fix, but small changes can have an impact in as little as 30 to 90 days. More significant improvements might take 6–12 months, especially if you’re recovering from missed payments or defaults.
The key is consistency—lenders want to see a pattern of reliable behaviour over time.
Can I still get a mortgage with a low credit score?
Yes, it’s possible. There are lenders who specialise in helping buyers with:
- Poor or limited credit history
- Previous defaults or CCJs
- Self-employed income
- Debt consolidation needs
At HLC Mortgages, we work with a wide range of lenders—not just the big banks. We’ll match you with one that fits your circumstances and help you present your case in the best light.
Final thoughts
Your credit score isn’t the only thing that matters when applying for a mortgage—but it can make a big difference. The good news? It’s not fixed. Whatever your score is today, you can improve it over time with the right steps.
And the even better news?
You don’t have to do it alone.
At HLC Mortgages, we’ll help you understand your credit report, give personalised tips to improve it, and find the right lender for your situation—whether your score’s flying high or still a work in progress.
Contact us
Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.