The exact score you need depends entirely on the type of mortgage you apply for: Mortgage Type Minimum Credit Score Required Key Details 620

Backed by the government and extremely popular with first-time buyers with lower credit. No official minimum

You can secure a mortgage but expect significantly higher monthly interest charges.

The most common mortgage; requires at least 3% down. Scores of 740+ secure the best rates. 580 (with 3.5% down) 500 (with 10% down)