There is no single minimum credit score required for a mortgage, as lenders use their own internal scoring systems. A stronger credit profile generally improves your chances of approval and access to competitive rates.
Lenders review payment history, outstanding debts, electoral roll status and recent credit applications. Missed payments, defaults or County Court Judgments can reduce options, although specialist lenders may still consider applications in certain circumstances.
Checking your credit report before applying can help identify any issues early. Maintaining stable employment and manageable debt levels also strengthens your position.
Your home may be repossessed if you do not keep up repayments on your mortgage.