Credit scores are a key ingredient in how much you will be able to borrow. A bad credit score will affect the mortgage deals you will be offered but that doesn’t mean getting a mortgage will be impossible. If you don’t have a good credit score, you will have more success getting a mortgage if you can put down a larger deposit for a low LTV. This minimises the risk factor for the bank. If you have loans or a credit card or two, paying these off or reducing the amount outstanding can result in improving your credit score. The better your credit score and ltv ratio the better the mortgage rates and products on your repayment mortgage loan. It can still be possible to get a high LTV with a bad credit score but through specialist lenders rather than the mainstream banks and building societies, you will usually find on your high street. At YesCanDo Money mortgage brokers we have access to those specialist lenders that offer mortgage deals to those with a bad credit score.