Is this enough credit for a mortgage?

The easiest way to look at it as I see it...

The lender will consider your deposit, your income and affordability for the amount you are looking to borrow and will look at the security that their money is secured against.

In terms of the applicants financial standing, they will look at what they are doing now and what they have done historically.

The key to being accepted is finding a lender that will accept all of those things.

For example, it is possible to get a mortgage with defaults, CCJs and historic bankruptcies as part of your credit history. The choice of lenders may be smaller but never the less there are lenders who will consider individuals- if they meet other criteria such as having a decent deposit and showing good affordability now etc.

Likewise you could have someone with 'perfect' credit history but goes to a lender who will not accept the construction of the property they are wishing to buy, or has an unacceptable leasehold attached to it etc.

The ability to get a mortgage is far wide ranging than what 3 digits experian/equifax/call credit give you...