It’s one of the most common questions we’re asked: what credit score do you need to get a mortgage? The honest answer surprises people — there isn’t a single magic number.
In the UK there’s no universal credit score that lenders share. Each of the three main credit reference agencies (Experian, Equifax and TransUnion) calculates its own score, and they don’t always agree. More importantly, mortgage lenders don’t simply read off one of those scores and say yes or no. They run your details through their own internal scoring, using the information on your credit file alongside your income, deposit and outgoings.
So rather than chasing a number, it’s far more useful to understand what lenders are actually looking at:
- Your payment history — a track record of paying credit, bills and existing borrowing on time is one of the strongest positives.
- The electoral roll — being registered to vote at your current address helps lenders confirm your identity and stability.
- How much credit you’re using — running close to the limit on cards and overdrafts can count against you.
- Recent applications — lots of credit applications in a short space of time can look like financial pressure.
- Any adverse history — missed payments, defaults, CCJs or worse. These don’t always mean a “no”, but they matter.
The good news
Even if your credit history isn’t perfect, mortgages are often still possible. There are lenders who specialise in less-than-perfect credit, and the right one depends entirely on your circumstances. This is exactly where a broker earns their keep — we know which lenders are likely to look favourably on your situation, so you’re not applying blindly and risking knock-backs that themselves leave a mark.
Before you apply, it’s worth checking your own credit files, getting on the electoral roll, and avoiding new credit applications in the run-up. Then talk to us, and we’ll help you approach the right lender first time.
Your home may be repossessed if you do not keep up repayments on your mortgage.
We charge a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £149 to £499 and this will be discussed and agreed with you at the earliest opportunity.
