There is no universal minimum credit score for a UK mortgage as each lender uses its own model and may access Experian, Equifax or TransUnion. A higher score gives access to more lenders and better rates. County Court Judgments, defaults and missed payments in the last 3 to 6 years typically exclude applicants from mainstream lenders. Specialist adverse credit lenders accept lower scores at higher rates. Using a whole-of-market broker helps identify the most suitable lender (FCA MCOB, UK Finance, 2026). |
Minimum Credit Score For Mortgage UK"What credit score do I need for a mortgage?" is one of the most-searched mortgage questions in the UK, and one of the most frequently answered wrongly. 
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