Mortgages with no credit history

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Can I get a mortgage with no credit history?

Yes, you can. But it’s unlikely you’ll be considered by any kind of automated online mortgage firm. They generally reject anyone who hasn’t got a credit file. To get a mortgage when you haven’t got a credit history you’ll need to get together anything you can that proves your ability to pay a mortgage and work with a specialist broker.

Having no credit score means you don’t have enough recent credit activity under your name to make up a credit score – something lenders want to see before considering giving you a mortgage. 

Typically, lenders want to see proof that you have a proven history of being able to make repayments on time. They do this through a credit check. But just because you’ve never taken on debt or taken out a credit card doesn’t mean you’re not going to be able to keep up with your monthly mortgage repayments. 

Sometimes, you might have a history of credit but not realise. For example, mobile phone contracts and utilities are still considered forms of borrowing and will give you a credit history. Things like this can be really helpful if you’re applying for a mortgage without a credit history, because it’s better than having absolutely nothing. 

It’s a good idea to get together any evidence you have that can prove you’re good with money and can keep up with mortgage repayments before you apply. 

Here are a few things you can do:

  • Get together your employment records – this can be pay slips, invoices or bank records. 

  • Get any evidence of paying your rent on time.

  • Get any utility bills for the property you live in that shows the bills are paid on time. 

Anything like this will help your specialist broker to build a case for you to take to a specialist lender. Then, you’ll have the best chance of getting approved for a mortgage.

Why might you have no credit history?

Why do lenders often reject applications with no credit history?

What happens when lenders do a credit search?

Should I improve my credit score before applying for a mortgage?

What can you do to build up your credit history?

How long does it take to build up your credit history?

What’s the difference between a credit score and a credit report?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.


Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

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Luke Grosse

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Sarah Earnshaw

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Yogesh Parekh

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Jemma Talliss

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Paul Clark

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Lynn Cutts

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Steve Hatton

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Jeanette Clark

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Carrie Knight

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Jonathan Hunting

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