What Credit Score Do You Need for a Mortgage?

There's no universal minimum credit score for a mortgage in the UK. Find out what score you need, how lenders assess your file, and what to do about a low score.

Mortgage Services

First-Time Buyer Mortgages — 5% deposit schemes, 95% LTV, gifted deposits.
Home Mover Mortgages — porting your rate, chain support, timing your remortgage.
Remortgage — switch rate before your fix ends, release equity, product transfers.
Sample UK Mortgage Rates — daily snapshot of fixed, tracker and BTL deals.
Mortgage Calculators — repayment, affordability, stamp duty, LTV.

Insurance & Protection

About The Mortgage Genie

The Mortgage Genie Limited is a UK mortgage and protection broker with access to 90+ lenders via First Complete Limited, trading as Primis Mortgage Network. The Mortgage Genie Limited is an Appointed Representative of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority — The Mortgage Genie FCA No 754691; First Complete (Primis) FCA No 435779. Initial advice is free; where a fee applies it is agreed in writing before application (typically £199–£299, capped at 1% of the loan or £650).

Your home may be repossessed if you do not keep up repayments on your mortgage.