Video· Buying
Minimum Credit Score Needed for a Mortgage
Published · 1 min read
Information current as at 5 Aug 2026. Rates, lender policy and government schemes change — check the current position before relying on anything here. General information only.
Find out how your credit score impacts your ability to secure a home loan.
What's the minimum credit score you need to get a mortgage?
There isn't one magic number that gets you approved.
And there isn't one magic number that gets you declined.
Your credit score is only one piece of the puzzle.
Your repayment history, overall credit profile, income and the lender's policy all play a role.
The better question is:
Does my overall financial position fit the lender I'm applying with?
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General information only. This is not personalised advice. Your individual circumstances should be considered before making any financial decisions.
