If you’ve been renting for years and always paid on time, it’s only fair that lenders take notice and now, many of them do. One question we keep receiving is ‘can my rent history be used towards a mortgage application?’. Reading recent news reports, it’s now becoming a little more common and even MP’s are pushing for it to be a contributing factor. 

Your rental history can play an important role in strengthening your mortgage application, especially as a first-time buyer or if you don’t have a big credit history. We’ve been helping more and more first time buyers locally and have had some great success. 

Let’s explore how it works, what tools are available, and how you can use your rent payments to your advantage.

Why Rent History Matters

Lenders want to see you can manage monthly payments. If you’re someone that has been reliably paying rent for years and especially at similar amounts to a potential mortgage – it shows financial discipline.

The issue in the past? Rental payments weren’t always recorded on credit reports. That’s changing.

How to Get Your Rent Payments Recognised

There are now several ways to report your rent payments to credit reference agencies:

• Credit Ladder: Links your rent payments to your Experian credit file.

• Canopy: Tracks rent and helps build your rental record.

• Experian’s Rental Exchange: Some landlords or letting agents report your rent directly.

These tools can boost your credit score and show lenders you’re mortgage-ready.

Client Story: Amy & Daniel

Amy and Daniel had been renting for five years and always paid on time. They hadn’t built much credit history, which worried them as they hadn’t taken out other loans or credit card accounts. We suggested signing up for Credit Ladder, which added their rent record to their Experian profile. Within months, their score improved and we secured them a mortgage on their new home in Southport, based on both affordability and their solid payment history.

Which Lenders Accept Rent Data?

Not all lenders use rent history yet, but a growing number do. Some will accept it as evidence of affordability or stability, especially for first-time buyers.

We can help you identify which lenders are most likely to view your rent positively.

Tips to Make Rent Work for You

• Use a recognised reporting platform

• Always pay your rent on time via bank transfer

• Avoid late or missed payments

• Keep a record of all rental agreements and payments

• Register on the electoral roll at your rented address

Rent Can Be Your Superpower

If you have been renting responsibly, don’t let it go to waste. At HFA Mortgage & Protection, we’ll help ensure your full story is presented to the lender – not just what’s on your credit score.

Let’s Explore Your Options

Want to use your rent history to get mortgage-ready?

Contact us today to find out how we can help turn your rent payments into your first step on the property ladder.

Important Notice:

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500.

Your home may be repossessed if you do not keep up repayments on your mortgage.