{"id":175,"date":"2021-10-19T16:11:37","date_gmt":"2021-10-19T15:11:37","guid":{"rendered":"https:\/\/www.affalo.co.uk\/blog-api\/?p=175"},"modified":"2022-09-08T14:19:28","modified_gmt":"2022-09-08T14:19:28","slug":"what-do-lenders-look-for-in-a-borrower","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/mortgages\/what-do-lenders-look-for-in-a-borrower\/","title":{"rendered":"What do lenders look for in a borrower?"},"content":{"rendered":"\n<p>One of the main questions a first-time buyer might ask is \u201cWhat do lenders look for in a borrower?\u201d<\/p>\n\n\n\n<p>At first, the system can seem daunting and almost to make decisions at random. Many people will tell you that they have friends with apparently \u201cgood\u201d credit that mortgage lenders passed over. Conversely, many others will tell you that they have friends with apparently \u201cbad\u201d credit that mortgage lenders accepted!<\/p>\n\n\n\n<p>So, what\u2019s going on? Just what are mortgage lenders looking for in a borrower?<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/what-do-lenders-look-for-in-a-borrower\/#Credit_scoring_isnt_everything\" >Credit scoring isn\u2019t everything<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/what-do-lenders-look-for-in-a-borrower\/#Your_income_matters_more_than_you_might_think\" >Your income matters more than you might think<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/what-do-lenders-look-for-in-a-borrower\/#Are_you_on_the_electoral_roll\" >Are you on the electoral roll?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/what-do-lenders-look-for-in-a-borrower\/#Your_financial_relationships_and_dependencies\" >Your financial relationships and dependencies<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/what-do-lenders-look-for-in-a-borrower\/#How_can_I_increase_my_chances_of_a_mortgage_agreement\" >How can I increase my chances of a mortgage agreement?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/what-do-lenders-look-for-in-a-borrower\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions.<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit_scoring_isnt_everything\"><\/span>Credit scoring isn\u2019t everything<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It\u2019s true that one of the first things a lender will look at when you apply for a mortgage is your credit score. And it\u2019s also true that credit scores are important. However, they are not the whole thing. Your credit score only gives a glimpse of your trustworthiness \u2013 in your ability to make good on promises.<\/p>\n\n\n\n<p>Lending to someone who isn\u2019t trustworthy is a big risk, and not one most lenders want to take. This doesn\u2019t mean you shouldn\u2019t be keeping your finger on the pulse, of course! It just means that you need a more holistic approach.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Your_income_matters_more_than_you_might_think\"><\/span>Your income matters more than you might think<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It\u2019s one thing to have a great credit score. It\u2019s another to be able to afford repayments. Just because you have a good track record doesn\u2019t mean the material wealth is there. Lenders don\u2019t just want to know you\u2019re trustworthy. They want to know you have the means to fulfill your promise to them.<\/p>\n\n\n\n<p>If you\u2019re self-employed, you must submit additional documents to prove you have a consistent income. Since you or your accountant work out your taxes, rather than PAYE, mortgage lenders won\u2019t have much to go on with regards to tax documents. It\u2019s up to you to show them your financial history.<\/p>\n\n\n\n<p>Remember, if you default on your mortgage, the lender has to soak up the cost by reselling your home. If they lose money on resale, that harms their business. Therefore, if they don\u2019t think you can pay, they\u2019d rather not run the risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Are_you_on_the_electoral_roll\"><\/span>Are you on the electoral roll?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.equifax.co.uk\/resources\/loans-and-credit\/electoral-register-and-how-it-influences-credit-scores.html\">Being on <\/a><a href=\"https:\/\/www.equifax.co.uk\/resources\/loans-and-credit\/electoral-register-and-how-it-influences-credit-scores.html\" target=\"_blank\" rel=\"noreferrer noopener\">the<\/a><a href=\"https:\/\/www.equifax.co.uk\/resources\/loans-and-credit\/electoral-register-and-how-it-influences-credit-scores.html\"> electoral roll<\/a> is almost mandatory if you want a mortgage. Lenders need it so they can verify who you are and where you live. It\u2019s a convenient and easy way to trace your<\/p>\n\n\n\n<p>Getting on the electoral roll is easy \u2013 all you need to do is register to vote. Provided you have at least one fixed address and your National Insurance number handy, you can do this in as little as fifteen minutes.<\/p>\n\n\n\n<p>There is some confusion with this. Many people assume that lenders use the open register, which various firms can purchase for the purpose of sending junk mail in the post. This is not the case! Lenders use the electoral roll, not the open register. This means that you can request that your name is not put on the open register and still be on the electoral roll.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Your_financial_relationships_and_dependencies\"><\/span>Your financial relationships and dependencies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It\u2019s not just about you when it comes to your finances. If you\u2019re dependent on financial help from someone else, especially someone whose own credit rating is low, that looks bad to lenders.<\/p>\n\n\n\n<p>What\u2019s more is that, in the case of <a href=\"http:\/\/credit-score.com\/blog\/joint-mortgage\" target=\"_blank\" rel=\"noreferrer noopener\">joint mortgages<\/a>, both borrowers need to prove their worthiness. If you have a good credit score, but the other person doesn\u2019t, lenders will consider you both to be untrustworthy and will not lend to you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_can_I_increase_my_chances_of_a_mortgage_agreement\"><\/span>How can I increase my chances of a mortgage agreement?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It is usually suggested that first-time buyers work with a mortgage broker. Brokers will look over your financial history with you and give you guidance on what you need to do to be accepted for a mortgage.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Register with Credit-Score today<\/a> and you can get some insight straight away. Credit-Score&#8217;s 24-Factor Credit Check will show you what changes you can be making right now to improve your chances of being accepted for a mortgage.<\/p>\n\n\n\n<p>A subscription to Credit-Score is cheaper than a takeaway. It could be a wise investment for your financial future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n","protected":false},"excerpt":{"rendered":"Many first-time buyers make the mistake of assuming that their credit score is everything. Not so. Here are a few other things to consider.\n","protected":false},"author":19,"featured_media":5152,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[270],"tags":[506,507,508,578,579,620,348,477,558,681,682,621,523],"class_list":{"0":"post-175","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mortgages","8":"tag-buying-a-home","9":"tag-buying-a-home-for-the-first-time","10":"tag-buying-a-house","11":"tag-credit-score","12":"tag-credit-scoring","13":"tag-creditscore","14":"tag-electoral-roll","15":"tag-first-time-buyer","16":"tag-homebuyer","17":"tag-how-important-is-income-for-mortgages","18":"tag-income","19":"tag-mortgage-score-home","20":"tag-mortgages"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2021\/10\/florian-schmetz-LPckxbrqE5w-unsplash-scaled.jpg","author_info":{"display_name":"Robert Edwards","author_link":"https:\/\/www.check.co.uk\/blog\/author\/conor-mullinsaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What do lenders look for in a borrower? | Credit-Score UK<\/title>\n<meta name=\"description\" content=\"Many first-time buyers make the mistake of assuming that their credit score is everything. 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