🏦 What Credit Score Do You Actually Need for a Mortgage?
- There’s no single “minimum score” in the UK.
- Different lenders use different scoring systems.
- Your overall credit profile matters more than the number.
- Missed payments don’t automatically mean rejection.
- Specialist advisers can match you with suitable lenders.
1 | There Isn’t One Magic Number
Unlike the US, UK lenders don’t rely on one universal credit score.
Experian, Equifax and TransUnion all use different scales — and lenders often use their own internal scoring systems too.
That means:
A “fair” score doesn’t automatically mean a declined mortgage.
2 | What Lenders Actually Look At
Instead of just the number, lenders assess:
- Recent missed payments
- Defaults or CCJs
- Payday loan usage
- Electoral roll registration
- Credit utilisation
- Stability (address & employment history)
A clean recent history can outweigh older issues.
3 | How Much Does Bad Credit Reduce Your Options?
It depends on:
- How recent the issue was
- How large the debt was
- Whether it’s been settled
- Your deposit size
Higher deposits often improve lender choice.
4 | Can You Still Get a Good Rate?
Sometimes yes.
If issues are historic and settled, many mainstream lenders may still consider you.
If problems are recent, specialist lenders may help — but rates can differ.
The key is matching the case correctly first time.
📞 Want to See What Your Credit Means for You?
This website provides information only and does not offer advice.
We can introduce you to specialist advisers who can:
- Review your credit profile properly
- Identify realistic lender options
- Avoid unnecessary rejections
- Explain your next best step