I have never taken out any credit and as far as I know I have never done anything that would be considered adverse. Why am I struggling to get a mortgage?

This is because you don’t have any track record on your ability to manage debt. When you take out credit agreements and make your payments on time, a credit score profile is built. High street lenders rely heavily on credit scores and without a strong score a mortgage with these lenders will be very difficult. 

Thankfully in the UK, we have a second tier of lenders that do not credit score applicants. They manually underwrite all applications on a case-by-case basis and will agree on lending if it is deemed affordable.

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