We’re currently working on our BTL calculator in light of our recent criteria changes. We hope to have this back up and running soon but if you need any help in the meantime, please contact your BDM or the Helpdesk on 0330 123 1073.

Lending with a poor credit history

Written by Ipswich Building Society

25 Sep 2018


Arrears, CCJ, Credit repair, Credit score, Defaults, Poor credit history

2 min read

Getting your client a mortgage when they have a poor – or limited – credit history can be tricky.

At Ipswich Building Society we don’t credit score because a number on its own doesn’t tell us much. We take a more holistic approach when it comes to looking at your client’s credit file, taking into account the full picture and assessing the case on its merits rather than using an automated ‘computer says no’ decision maker.

Your case will be assessed in-house by one of our expert underwriters who’ll go through the application line-by-line to get a clear view of your client’s finances and see what we can do. And if we can’t help, we’ll always let you know why.

At a glance: what we can offer your client

  • We don’t credit score
  • The application will be assessed on its merits, taking the full picture into account
  • We will consider applicants with a limited credit history
  • We allow a number of historic CCJs, defaults and arrears, where these have been satisfied

If the case has been declined by another lender, we are happy to consider the case if:
– It failed the lender’s credit score criteria
– The case didn’t meet the lender’s underwriting criteria
– Property or property type is unacceptable to that lender


This article was published under our previous name of Ipswich Building Society. We changed our name in 2021 – get in touch if you have any questions.

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