In the UK, there’s no single minimum credit score needed for a mortgage because each lender uses its own criteria, but having a “good” credit history usually improves your chances and helps you get better interest rates.
Most lenders look at more than just your score, including your income, employment stability, existing debts, monthly spending, and deposit size. A larger deposit (typically 15–25%) can make lenders more flexible, while a smaller deposit (5–10%) often requires cleaner credit history.
Even with poor credit, you may still qualify through specialist lenders, although rates are usually higher. You can check your credit reports for free through Experian UK, Equifax UK, and Credit Karma UK.
