Mortgage lenders will check your credit report as part of their overall assessment of your creditworthiness. The higher your credit score, the easier you’ll find it to be approved for a great mortgage deal.
However, it could be harder if you’ve struggled with serious debt in the past, and have been issued with defaults, CCJs, IVAs, bankruptcies or debt management plans. These will damage your credit score and your chances of being approved for a mortgage. Many lenders will flat-out refuse applicants who have these on their credit report.
In this scenario, it’s often necessary to work with lenders that specialise in offering deals to applicants with bad credit. You can check your current credit score here.