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.

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Bad Credit Calculator

See how bad credit issues affect how much you can borrow on a mortgage by using our bad credit calculator.

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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.

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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.

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Speak to a real person

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

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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.

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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.

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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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