Credit Score Impact Estimator
Get a simple indication of how recent credit conduct could affect the type of mortgage route you may need.
- Check missed payments, CCJs, defaults and insolvency markers.
- Think about credit utilisation and address history.
- Use your latest full credit report where possible.
Answer a few credit-file questions
Choose the answer that best matches your current position. If you are unsure, use your latest full credit report.
Includes late or missed payments reported on cards, loans, car finance, utilities or mobile contracts.
CCJs usually stay on your credit file for 6 years. Age, value and whether they are satisfied can matter.
Recent or multiple defaults tend to be more restrictive than older, settled, lower-value defaults.
DMPs, IVAs, bankruptcy and debt relief orders can significantly affect lender options.
Utilisation means the balance you owe compared with your available credit card limits.
Electoral roll history can help with identity and address verification.
A clean previous mortgage history can strengthen the wider profile, but first-time buyers can still be considered.
Estimated standing
0%
This is an indicative guide only. Mortgage Bridge is a mortgage introducer and does not provide regulated mortgage advice.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
Disclaimer:
This tool is for general guidance only and does not provide an official credit score. It is intended to illustrate how certain factors may affect your credit profile. Actual lender decisions will depend on a full credit check and a wider review of your financial circumstances. For personalised mortgage advice, please contact us.
Important information: Mortgage Bridge provides information only and acts as a mortgage introducer. We do not provide mortgage advice or make lender recommendations. We can introduce you to an FCA-regulated mortgage adviser who can provide personalised mortgage advice.