Top 10 Mortgage Lenders that don't Credit Score

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What is a Credit Score?

A credit score is a numerical representation of an individual’s creditworthiness.

It is a three-digit number in the United Kingdom that typically ranges from 100 to 999.

Credit scores are used by Mortgage Lenders and financial institutions as a simple way to assess the risk associated with lending money to a borrower.

A higher credit score indicates a lower level of credit risk, making it more likely that a borrower will be able to repay their debts on time.

What affects your Credit Score?

Credit scores are calculated based on various factors, including but not limited to:

1. Credit history: The length and depth of your credit history, which includes your credit accounts, the types of credit you have, and your payment history on those accounts.

2. Payment history: This reflects whether you’ve made payments on time, had late payments, or missed payments on credit accounts, such as credit cards, loans, and mortgages.

3. Credit utilisation: This refers to the percentage of your available credit that you’re currently using. Lower credit utilization is generally seen as a positive factor.

4. Public records: Adverse Credit events such as Bankruptcies, County Court Judgments, and Individual Voluntary Arrangements (IVAs) will negatively impact your credit score.

5. Credit inquiries: Frequent applications for credit can also lead to multiple hard inquiries on your credit report, which can have a temporary negative effect on your credit score.

How your Credit Score affects your Mortgageability

In the context of Mortgages, your credit score is crucial for several reasons:

1. Mortgage eligibility: Lenders use your credit score to assess your eligibility for a mortgage. A higher credit score will increase your chances of being approved for a mortgage loan.

2. Interest rates: Your credit score also affects the interest rate you’ll be offered on your mortgage. Borrowers with higher credit scores are typically offered lower interest rates, which can save them money over the life of the Mortgage

3. Loan terms: Your credit score can influence the terms of your mortgage, such as the loan amount, deposit requirements and repayment type, to name a few.

4. Affordability: Lenders use your credit score to determine whether you can afford the mortgage you’re applying for, and also take into account your existing debts and financial obligations.

It’s essential to maintain a good credit score when applying for a mortgage, as it can significantly impact your ability to secure favourable loan terms and ultimately purchase a home.

To improve or maintain your credit score, it’s important to make timely payments on existing credit accounts, keep credit utilisation low, and manage your overall financial health responsibly.

What’s the difference between a Credit Check and Credit Score?

Before we go through the top Mortgage Lenders that don’t Credit Score, we wanted to clarify what we mean by this.

Firstly, we need to bear in mind a Credit Check and a Credit Score are two different things.

All Mortgage Lenders will check your past Credit History and will consider this when deciding on whether to lend to you.

However, not all Mortgage Lenders will care about your Credit Score.

A Credit Score check is when a Mortgage Lender completes an automated Credit Check on you.

If you don’t meet a certain score based on this, the Lender will automatically decline the application.

Each Lender that Credit Scores has their own way of scoring applicants.

Larger mainstream Mortgage Lenders all tend to complete automated Credit Scores on you.

This is where applicants with Bad Credit or Low Credit Scores tend to be automatically declined.

Many Specialist Mortgage Lenders and smaller Lenders don’t tend to Credit Score applicants for this reason, instead they manually Credit Check Applicants.

This means if you have Bad Credit, you often have a better chance of being accepted by a Lender who doesn’t Credit Score, but instead completes a manual Credit Check.

Are there Mortgage Lenders that don’t Credit Score applicants?

Yes, many Specialist Mortgage Lenders will not Credit Score you.

This is good for those looking to get a Mortgage with Bad Credit.

Instead of a Computer making the decision a person will look at your Application and make the decision.

Can I get a Mortgage with no Credit Check?

All Mortgage Lenders will take your past Credit into account when assessing your Application. 

It wouldn’t make sense for them to not do this.

But remember Credit Score and a Credit Check are two different things.

Fortunately, there are plenty of Lenders which don’t Credit Score.

The Top 10 Lenders that don’t Credit Score

The following Mortgage Lenders are some of the top 10 Mortgage Lenders that don’t Credit Score applicants at all:

Kent Reliance

Kensington Mortgages


Pepper Money


Mansfield Building Society



Vida Homeloans

Family Building Society

Lenders that don’t Credit Score in Scotland, Northern Ireland and Wales

Whilst some of the Top 10 Lenders mentioned above will Lend to Scotland, Northern Ireland and Wales.

There are some Lenders which will only lend to Scotland, Northern Ireland and Wales:

Wales: Swansea Building Society

Scotland: Scottish Building Society

Northern Ireland: Progressive Building Society

What Credit Score is needed to buy a Home?

All Mortgage Lenders which complete automated Credit Scores have their own ways of Credit Scoring you. Just like Experian and Equifax do for example.

So whilst checking your Credit Score with Experian, Equifax or Callcredit (Transunion) is a good way of seeing how others Credit Score you. It doesn’t actually have any bearing as to whether a Mortgage Lender will accept you.

So there isn’t anyway of knowing that if you have X score with Experian you’ll be accepted with X Mortgage Lender for example.

This is because Halifax’s way of Credit Scoring you will be different to the way Experian does.

Just like your Experian Score will always be different to your Equifax or Callcredit (Transunion) Score.

See how you can boost your Credit and Mortgage chances here.

What’s next?

Whether you’re a first time buyer or simply looking to Remortgage. Get in touch with us today, so we can put you in touch with a Mortgage Advisor which Specialises in your case.

We will only put you in touch with a Mortgage & Protection Advisor which Specialises in your individual circumstances. Your information will not be used for any other purpose.

For more information or you would just like to find out more about us, please do get in touch.