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These are some of the common reasons for being refused a mortgage You've missed or made late payments recently You've had a default or a CCJ in the past six years You've made too many credit applications in a short space of time in the past six months resulting in multiple hard searches being recorded on your.
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There isn't a specific credit score you need for a mortgage and that's because there isn't just one credit score When you make an application for a mortgage or other type of credit lenders work out a credit score for you.
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You can certainly be denied for a mortgage loan after being pre-approved for it The main difference between pre-qualification and pre-approval has to do with the level of scrutiny - not the level of certainty When a lender pre-qualifies you for a loan they just take a quick look at your financial situation.
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