{"id":4285,"date":"2019-11-05T10:08:44","date_gmt":"2019-11-05T10:08:44","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=4285"},"modified":"2022-08-23T09:13:57","modified_gmt":"2022-08-23T09:13:57","slug":"credit-report-and-deposit-affect-mortgage","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/mortgages\/credit-report-and-deposit-affect-mortgage\/","title":{"rendered":"How will my credit report and deposit affect my mortgage?"},"content":{"rendered":"\n<p>When taking out a mortgage, you\u2019ll want to make sure you get the best rate possible \u2013 otherwise you\u2019ll find yourself spending far more on interest than you initially planned to.<\/p>\n\n\n\n<p>There are two main things which affect the interest rate\nthat you are offered \u2013 your deposit and your credit report.<\/p>\n\n\n\n<p>You should aim to spend at least 6 months building up a great credit report. Of course, we\u2019d recommend <a href=\"http:\/\/credit-score.com\">credit-score.com<\/a> as you\u2019re able to see your booster tips which will help you become more creditworthy. The best credit reports get the best rates, so make this a priority. <\/p>\n\n\n\n<p>Putting down a higher deposit will generally get you a\nbetter rate. You can take a mortgage out with only a 5% deposit, but the rate\nyou will be offered will be substantially higher than if you put down a 25%\ndeposit. If you\u2019re able to pull together a larger deposit, then it\u2019s worth\ndoing so as you\u2019ll reduce your monthly payments with a lower interest rate. <\/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\/credit-report-and-deposit-affect-mortgage\/#What_is_an_interest_rate\" >What is an interest rate?<\/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\/credit-report-and-deposit-affect-mortgage\/#Now_the_question_is_%E2%80%93_how_do_you_get_a_good_interest_rate\" >Now, the question is \u2013 how do you get a good interest rate?<\/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\/credit-report-and-deposit-affect-mortgage\/#Your_credit_report\" >Your credit report<\/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\/credit-report-and-deposit-affect-mortgage\/#How_do_I_improve_my_credit_report\" >How do I improve my credit report?<\/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\/credit-report-and-deposit-affect-mortgage\/#Deposit_for_a_mortgage\" >Deposit for a mortgage<\/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\/credit-report-and-deposit-affect-mortgage\/#In_conclusion\" >In conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/credit-report-and-deposit-affect-mortgage\/#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=\"What_is_an_interest_rate\"><\/span>What is an interest rate?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Interest rates seem complicated but they\u2019re not. It\u2019s simply\nthe cost of borrowing. If you have a 1% rate on a loan of \u00a3100 then you pay \u00a31\nto borrow the money \u2013 so a total of \u00a3101 is repayable. If you have a rate of\n20% to borrow \u00a3100 then you will pay \u00a320 to borrow the money \u2013 so a total of is\n\u00a3120 is repayable. <\/p>\n\n\n\n<p>&nbsp;It\u2019s exactly the same\nwhen it comes to mortgages \u2013 you pay an interest rate based on the amount of\nmoney you borrow. <\/p>\n\n\n\n<p>Let\u2019s say that the house you are buying is \u00a3300,000 and you\nput down a 10% deposit (we go into details about deposits later).<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Property price: \u00a3300,000<\/li><li>Deposit: \u00a330,000<\/li><li>Mortgage: \u00a3270,000<\/li><\/ul>\n\n\n\n<p>You\u2019ll be charged interest on the \u00a3270,000 you\u2019ve borrowed.\nIf you get a rate of 1% then this is \u00a32,700. If you have a rate of 5% then this\nis \u00a313,500. <\/p>\n\n\n\n<p>You don\u2019t need to pay the interest outright \u2013 it is divided\nbetween the monthly payments that you make to your lender.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Now_the_question_is_%E2%80%93_how_do_you_get_a_good_interest_rate\"><\/span>Now, the question is \u2013 how do you get a good interest rate?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The interest rate that you are offered depends on several different factors. Lenders need to assess how risky you are by using a number of different factors. If you are seen to be quite risky then the cost of borrowing (i.e. your rate) will increase as they see it as less likely that you\u2019ll pay all the money back. Both your credit report and your deposit will affect how risky a potential lender sees you to be and will, therefore, alter the rate they will offer you. <\/p>\n\n\n\n<p>There are two main aspects of your application that will\nalter the rate that you are offered \u2013 your credit report, and your deposit\namount. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Your_credit_report\"><\/span>Your credit report<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your credit report is, quite simply, a report to determine your risk factor. All of the different factors on it are weighted depending on how important they are deemed so for example, if you have a <a href=\"https:\/\/financeadvicecentre.co.uk\/bad-credit-mortgages\/?utm_source=google&amp;utm_medium=cpc&amp;utm_term=mortgage%20with%20ccj&amp;gclid=CjwKCAjw7IeUBhBbEiwADhiEMSojqprhFGQSUqXXH7-PNHzvGTjqPbE52sn94q81Ijft4D38e02GSBoCt78QAvD_BwE\" target=\"_blank\" rel=\"noreferrer noopener\">CCJ<\/a> then it is much more significant to a potential lender than whether you use your credit card to withdraw cash \u2013 not all of the factors you find on your credit report are equal.<\/p>\n\n\n\n<p>&nbsp;All lenders have\ntheir own weightings here, which is why we reiterate that lenders don\u2019t use\nyour credit score. <\/p>\n\n\n\n<p>On the whole, you should aim to get your credit report into\nthe best shape possible to give yourself the best shot. If you have an\nexcellent credit report, then you\u2019re generally accepted for much better rates\nand can potentially put a lower deposit down. If your report isn\u2019t as good then\nyou\u2019ll almost certainly be offered a higher rate, and may need to start off\nwith a larger deposit. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_do_I_improve_my_credit_report\"><\/span>How do I improve my credit report?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A credit report is generally quite fluid \u2013 this means that you can improve it over time by making changes to your habits or taking small actions. At Credit-Score, we have our \u2018score booster\u2019 which gives you a personalised list of actions that you could take to improve your credit report. Examples of this might be to consolidate your credit card debt into a loan, to sign up for the electoral roll, or to remain at your employment for longer. <\/p>\n\n\n\n<p>Every action you take will have an impact on your credit\nreport; sometimes in quite a significant way, for example, a significant\nnegative impact if you were to go bankrupt; and sometimes in a small way, such\nas withdrawing cash on a credit card. The impact of your actions will change\nover time \u2013 if you missed a payment 6 months ago, it is less significant than\nif you missed one last month. <\/p>\n\n\n\n<p>The best way to ensure that your credit report is in great shape to get you the best rate is to spend around a year prior to application keeping an eye on your report and ensuring that every action you make has a positive impact. You can do this at credit-score.com free of charge. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deposit_for_a_mortgage\"><\/span>Deposit for a mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your deposit is a down payment on the house. If your deposit\nis 10% then from the get-go, you own and have fully paid for 10% of the value\nof the property. Your mortgage covers the rest.<\/p>\n\n\n\n<p>You might hear the term LTV or Loan to Value when referring\nto your deposit amount. Your loan to value is the percentage of the value of\nyour property that you have taken as a loan. If you have put down a 30%\ndeposit, then your LTV is 70%. <\/p>\n\n\n\n<p>The rate that you are offered by a lender will depend on the\nLTV. If you put a higher deposit on the property, then you have a lower LTV. A\nlender is more likely to give you a lower rate on this loan as you\u2019re borrowing\nless money which means there\u2019s less of a risk to the bank or building society. <\/p>\n\n\n\n<p>In terms of the amount that you should put down \u2013 go for as\nhigh as you are able to pull together. The minimum deposit currently required\nto buy a property is 5%, but the offers you get aren\u2019t generally very good.\nSomewhere between 10% &#8211; 20% will fetch you a much better deal, hitting a sweet\nspot at 25%.<\/p>\n\n\n\n<p>For the best deals on the market, you are looking at a\ndeposit of around 40% or more \u2013 the rates you are offered with this type of\ndeposit will be much better. Try to reach up to the next bracket if you\u2019re able\nto \u2013 so if you\u2019ve saved 5%, see how easily you can get it up to 10% in order to\nsave you money in the long run.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"In_conclusion\"><\/span>In conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Both your deposit and your credit report will make an impact\non the rate you are offered by mortgage providers, so make sure you\u2019ve\nconsidered both of these when you start to prepare for a mortgage.<\/p>\n\n\n\n<p>You can get credit ready with Credit-Score for free at <a href=\"https:\/\/www.check.co.uk\/?gclid=Cj0KCQjwpcOTBhCZARIsAEAYLuUhz-4dlFaawQenxZRDlSNxgvuYJ3RKh91D5SM2fPGxnvLyKb1vpjcaAjJDEALw_wcB\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score.com<\/a>. We\u2019ll be launching mortgages on the site soon too, so you\u2019ll be able to search and apply for mortgages. <\/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\n\n\n<p><strong><em>Last updated by Robert Edwards, June 2022<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"When taking out a mortgage, you\u2019ll want to make sure you get the best rate possible \u2013 otherwise&hellip;\n","protected":false},"author":22,"featured_media":4286,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[467,480,475,474,274,273,271,270],"tags":[479,367,481,470,477,210,495],"class_list":{"0":"post-4285","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-report","8":"category-deposit","9":"category-first-time-buyers","10":"category-homes","11":"category-managing-mortgage","12":"category-mortgage-process","13":"category-mortgage-rates","14":"category-mortgages","15":"tag-buying-first-home","16":"tag-credit-report","17":"tag-deposit","18":"tag-first-home","19":"tag-first-time-buyer","20":"tag-mor","21":"tag-mortgage-rates"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/11\/photo-1491357492920-d2979986a84e.jpg","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgage: How do my credit report and deposit affect it? | Credit-Score<\/title>\n<meta name=\"description\" content=\"A mortgage is a big investment. 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