How Can I Repair my Credit Score to Get a Mortgage?

Tips and advice from the mortgage experts on repairing your credit score to improve your eligibility for the best UK mortgage borrowing products.

About your mortgage

Error: Yearly income income must be between £1 and £10,000,000.

Error: Regular bonus must be between £1 and £10,000,000.

Based on your yearly income, you may be able to borrow:


Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.


Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.


Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

How Can I Repair my Credit Score to Get a Mortgage?

Having credit scoring problems can mean being rejected by a mortgage lender. However, there are lots of specialist bad credit mortgage providers, and if you can ensure your credit report is in the best possible shape, there is usually a solution out there.

Here we'll explain a few steps you can take to repair a damaged credit score to make it easier to apply for mortgage lending.

If you need any help with credit issues during a mortgage application or to find a home loan you are eligible for following credit problems, give the Revolution team a call on 0330 304 3040 or email us at

The following topics are covered below:

The following topics are covered below:

Step One - Get a Copy of Your Credit Report

Step Two - Update Your Credit File

Step Three - Register to Vote

Step Four - Always Be on Time with Repayments

Step Five - Don't Apply for Unnecessary Credit

Step Six - Pay Back What You Can

Step One - Get a Copy of Your Credit Report

First, you will need to review your credit report to check what information is included. The mortgage advisors team can help with this as an initial step to see what sort of problems you are dealing with and how these are likely to be assessed by a mortgage provider.

In the UK, there are three credit referencing bureaus. Each is different and uses a variable scoring method, so it's ideal to access all three from:

  • Experian
  • Equifax
  • TransUnion

Step Two - Update Your Credit File

Once you have your credit files, check through them carefully. If there are any errors or inaccuracies, these need to be queried and resolved before applying for a mortgage.

You can also check any associated addresses, accounts or people. Any old accounts you don't use any more can be closed, and you could repay small debts to clear up your credit report.

Step Three - Register to Vote

The easiest way to instantly boost your credit score is to register on the electoral roll. This action shows a lender that you have a stable, traceable address and makes you more creditworthy.

Step Four - Always Be on Time with Repayments

Next, you want to build a long, stable history of making your repayments on time. Particularly for existing debts, having six months to a year of reliable repayments will reflect well in the mortgage assessment process

Step Five - Don't Apply for Unnecessary Credit

If you're working on improving your credit file to get a mortgage, the last thing you want is for a lender to see multiple credit searches.

Soft credit reports don't appear on your file. Still, many applications for credit cards, loans or other credit that require a hard report can make it appear that you are desperate for borrowing or aren't managing your finances responsibly.

Try not to use your overdraft if you can avoid it. Being up to the limit on any credit account is also harmful. Therefore, if you can try not to use the majority of the facility, it will demonstrate good credit management.

Step Six - Pay Back What You Can

You'll want to reduce your total debts as much as possible. Therefore, if you can chip away at larger balances or clear smaller loans entirely, it will improve your position.

Having one primary bank account without any issues is ideal. It makes it easier for a lender to review your earnings and expenditure and streamlines the mortgage application process.

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  • Whole of market brokers

  • Mortgage that suits you

  • On time customer support

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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