All applicants will need to have a ‘fair’ credit rating to buy a home with us.
We also look at other factors including but not limited to:
debt levels
CCJs
missed or defaulted payments
The initial credit check is a soft check which means it won't affect your credit score. With this in mind we recommend that you submit a check even if you are not sure you will pass.
If you don’t pass right away it’s not a “no” forever. If you’re still interested, you can re-do the credit check in 6 months time to see if we reach a different result.
If you believe you have made a significant change to your credit situation in less than 6 months get in touch and we can discuss redoing the check sooner.