How Sam’s credit building helped him buy a home

Big milestones start with small steps

Written by Vanessa Stewart

Published on July 16th, 2025

Last reviewed on July 16th, 2025

2 mins read

News and insights

For Sam, owning a home wasn’t just a dream – it was about creating security and stability for his family. Living in rented accommodation, they had saved a good deposit, but he quickly learned there was something else he needed. ‘I had to start taking my credit history seriously. A good deposit wasn't enough.’

After speaking with a mortgage advisor, Sam realised that building a strong credit history was essential to getting approved for a mortgage. Which is when he started looking for the right tools and support to make that happen.

Building credit, step by step

Sam turned to Aqua, where he found guidance through Aqua Coach – a feature that offers helpful tips and gentle reminders. This support gave him the confidence to manage his account well, and soon he started to see his credit score increase.* ‘To see my credit score go up so much, just made me so proud.’

Achieving his goal

Following a year and a half of managing his account well and building his credit score, Sam’s goal finally came within reach. ‘After 18 months of credit building, I was finally able to get a mortgage.’

Moving on to a new chapter

‘It was an amazing feeling to move into my property for the first time. There was a sense of security and wellbeing for me and my family.’

Turning dreams into reality

According to our Aqua UK consumer money attitudes: 2024 report, nearly a third of adults feel worried about their finances. Sam’s journey is a reminder that building better credit doesn’t have to be about big, dramatic changes — sometimes small, consistent steps can make all the difference. With the right tools and support, he was able to work towards something that once felt out of reach.

So whether you’re just starting out, getting back on your feet, or simply want to feel more in control, Aqua is the smart way to build better credit. And with Aqua Coach by your side, you’ve got steady support along the way.

Find out how Aqua can help guide you, step by step. Representative 34.9% APR (variable)

*With Aqua, your credit score could grow if you manage your account well.

Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult.

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