Why CreditsConnect for Mortgages?
Compare, Don't Guess
We show you real mortgage alternatives from our partner network, not a single pre-selected offer.
Matched to What You Qualify For
Our AI reviews real mortgage eligibility patterns, not generic ads — so recommendations are realistic, not aspirational.
Free, No Credit Impact
Getting matched costs nothing, and checking your options doesn't affect your credit score.
Backed by a Human Expert
A CreditsConnect specialist can review your case before you're connected with a lender, especially for complex profiles.
Answer a few quick questions and get a personalized mortgage recommendation in under a minute.
Typical Eligibility Criteria
- Deposit: commonly 5-15% of the property value, depending on the lender and scheme used
- Affordability assessment based on income, existing debt, and monthly outgoings
- UK credit history — newly arrived residents may need to build this first
- The property must typically pass the lender's own valuation and survey
Mortgages by State/Region
Frequently Asked Questions
What is the Mortgage Guarantee Scheme?
A UK government-backed scheme that has, at various times, supported 95% loan-to-value mortgages for eligible first-time buyers. Availability and terms change, so confirm current status before applying.
Do I need a UK credit history to get a mortgage?
Most mainstream lenders expect some UK credit history. Newly arrived residents or expats may need a specialist lender.
How much deposit do I realistically need?
It depends on the lender and scheme, but a larger deposit generally unlocks better rates. The AI Advisor can estimate a range based on your specific profile.
Talk to a Mortgage Expert
Tell us what you need and a specialist will follow up directly.