You Don’t Need Perfect Credit Score

Myth: You need a perfect credit score to get a mortgage in the UK. You don't,

and chasing a perfect number can actually distract you from what lenders really care about.

Here's the truth. There is no single universal pass mark for a mortgage. Different lenders

use different models, and they look beyond the score. What matters most is usually affordability

and risk. Your income, your outgoings, how stable your employment is,

your existing debt, and your credit history, especially missed payments and defaults.

Quick example: Person A has a top score, but they're running a big overdraft, have lots of buy

now, pay later, and their bank statements show constant tight months.