--- title: Worried Your Credit Will Stop You Getting A Mortgage? description: Worried a credit blip will stop you getting a mortgage? Learn how lenders assess credit history and how specialist advisers can help you find suitable options. image: https://www.overcomemortgages.co.uk/hubfs/adjusted%20blogger-Oct-09-2025-02-04-03-5698-PM.png --- [Skip to content](https://www.overcomemortgages.co.uk/en/blog/worried-your-credit-will-stop-you-getting-a-mortgage#main-content) [![](https://www.overcomemortgages.co.uk/hs-fs/hubfs/overcome_ai_adjusted-removebg-preview.png?width=285&height=100&name=overcome_ai_adjusted-removebg-preview.png)](https://www.overcomemortgages.co.uk/) Overcome Mortgages Navigation [Home](https://overcomemortgages.co.uk/) [Blog](https://overcomemortgages.co.uk/en/blog) [CEMAP Quiz](https://overcomemortgages.co.uk/cemap-quiz) [CheckMyFile](https://overcomemortgages.co.uk/checkmyfile) [Contact Us](https://overcomemortgages.co.uk/contact-us) [Home](https://overcomemortgages.co.uk/) [Blog](https://overcomemortgages.co.uk/en/blog) [CEMAP Quiz](https://overcomemortgages.co.uk/cemap-quiz) [CheckMyFile](https://overcomemortgages.co.uk/checkmyfile) [Contact Us](https://overcomemortgages.co.uk/contact-us) ![](https://www.overcomemortgages.co.uk/hs-fs/hubfs/adjusted%20blogger-Oct-09-2025-02-04-03-5698-PM.png?width=1239&height=700&name=adjusted%20blogger-Oct-09-2025-02-04-03-5698-PM.png) # Worried Your Credit Will Stop You Getting A Mortgage? ![Isaac Barco](https://7528315.fs1.hubspotusercontent-na1.net/hub/7528315/hubfs/raw_assets/public/mV0_d-cms-elevate-theme_hubspot/elevate/images/avatar-placeholder.jpg?width=48&height=48&name=avatar-placeholder.jpg) Isaac Barco March 17, 2026   The cost-of-living crisis and inflationary pressures has put pressure on people’s finances and made it harder for people to get on the housing ladder due to affordability constraints and more people having a less than perfect credit history. **How important is your credit history for mortgage lenders?** Looking into your credit history is one of the ways in which a mortgage lender will gain information on how reliable you have been at paying back debts and loans in the past. A mortgage lender needs to be confident that you’ll be able to keep up with your repayments across the whole lifetime of the loan. **What if your credit history isn’t perfect?** Don’t worry, if your credit history isn’t perfect, you're not alone! Many people experience minor setbacks in their credit history at some point.Such as missing a credit card payment, neglecting to pay utility bills on time, or going into an unarranged overdraft. These types of “credit blips” can leave a mark on your credit history but this doesn’t mean you aren’t eligible for a mortgage. **Specialist mortgage support** An expert adviser can assess your financial situation, including your credit history, guide you through the application process and increase your chances of getting approved for a mortgage by finding the most suitable mortgage deal for your circumstances. We have access to lenders who specialise in working with people with varying credit, whether you've had late payments, past debts, or no credit history at all, there are options available for you. Don’t let a credit blip throw you off track! Book an **[appointment](https://www.overcomemortgages.co.uk/book-a-call?hsCtaAttrib=275811155163)** today or reach out via our [contact](https://overcomemortgages.co.uk/contact-us)details!   ## Share this post [mailto:https%3A%2F%2Fwww.overcomemortgages.co.uk%2Fen%2Fblog%2Fworried-your-credit-will-stop-you-getting-a-mortgage](mailto:https%3A%2F%2Fwww.overcomemortgages.co.uk%2Fen%2Fblog%2Fworried-your-credit-will-stop-you-getting-a-mortgage) ## Keep reading ### [You can get an interest‑only mortgage without a standard repayment vehicle](https://www.overcomemortgages.co.uk/en/blog/you-can-get-an-interest-only-mortgage-without-a-standard-repayment-vehicle) ### [Don’t Fit the Mortgage Mould? We Can Help You](https://www.overcomemortgages.co.uk/en/blog/dont-fit-the-mortgage-mould-we-can-help-you) Overcome Mortgages is a trading name of CS Financial Group Limited, registered in England and Wales. Registered address: 10/12 Woolpack Yard, Kendal, LA9 4NG. Company Registration Number: 10731629. CS Financial Group Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority The information on this website is for the use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it. Copyright 2025 Overcome Mortgages [Privacy Policy](https://www.theopenworkpartnership.com/privacy-notice/)· © 2025 Overcome Mortgages. 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