There is no single minimum credit score for a UK mortgage as each lender uses its own scoring model and may access different credit reference agencies (Experian, Equifax or TransUnion). Generally, a higher score improves the choice of lenders and rates available. County Court Judgments, defaults and missed payments in the last 3 to 6 years reduce eligibility for mainstream lenders. Specialist adverse credit lenders accept lower scores at higher rates (FCA MCOB, UK Finance, 2026). |
What Credit Score Do You Need For A MortgageUK borrowers often ask "what credit score do I need for a mortgage?" expecting a single threshold number. 
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