17/10/2026
Getting a mortgage with a low credit score can be done, you just need to take steps to ensure that you can show examples to a lender of how you can responsibly manage your money.
You may have a higher chance of being accepted for a mortgage with bad credit if you follow some of these steps before you apply:
- Pay off outstanding debt
- Make sure you pay all bills (rent, phone, utility) on time
- Cancel any unused lines of credit and bank accounts
- Register on the electoral roll
- Check your credit report for any discrepancies or errors
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