{"id":15779,"date":"2018-09-18T01:00:41","date_gmt":"2018-09-18T05:00:41","guid":{"rendered":"http:\/\/www.zoocasa.com\/blog\/?p=15779"},"modified":"2023-02-07T12:13:59","modified_gmt":"2023-02-07T17:13:59","slug":"what-credit-score-do-i-need-to-get-a-mortgage-in-canada","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/what-credit-score-do-i-need-to-get-a-mortgage-in-canada\/","title":{"rendered":"What Credit Score Do I Need To Get A Mortgage In Canada?"},"content":{"rendered":"<p><strong><em><br \/>\nBy:&nbsp;<\/em><\/strong><a href=\"https:\/\/www.borrowell.com\/?utm_source=partner&amp;utm_medium=blog&amp;utm_campaign=credit_score_mortgage_zoocasa_september_2018&amp;utm_content=blog\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><em>Borrowell<\/em><\/strong><\/a><\/p>\n<p>Buying a home is one of the most important decisions you\u2019ll ever make in your lifetime.<\/p>\n<p>In a <a href=\"https:\/\/www.newswire.ca\/news-releases\/canadian-millennials-dream-of-being-homeowners-but-most-arent-planning-for-it-cibc-poll-680903401.html\" target=\"_blank\" rel=\"noopener noreferrer\">survey by CIBC<\/a>, 65 per cent of millennials reported that they either rent their home or live with relatives. Of that 65 per cent, a whopping 94 per cent say they plan on buying a home at some point.<\/p>\n<p>Depending on your location, it can be a difficult process, but the desire to own a home is still clearly important to Canadians. So if you\u2019re ready to jump into homeownership \u2013 congratulations! Now, do you know what <a href=\"https:\/\/www.borrowell.com\/free-credit-score\/?utm_source=partner&amp;utm_medium=blog&amp;utm_campaign=credit_score_mortgage_zoocasa_september_2018&amp;utm_content=blog\" target=\"_blank\" rel=\"noopener noreferrer\">Canadian credit score<\/a>&nbsp;you need to get a mortgage in Canada? Let\u2019s start with the basics.<\/p>\n<h2>What\u2019s a Credit Score?<\/h2>\n<p>Your credit score is a number between 300-900, depending on the scoring model. The higher your credit score, the more likely you\u2019ll be approved for financial products (at better rates) in the future. So how do the credit bureaus calculate these scores, anyway?<\/p>\n<p>Credit bureaus use the following factors in credit score calculation:<\/p>\n<ul>\n<li><strong>Payment history (35%) <\/strong>\u2013 Your payment history is how good you are at paying your bills on time. This is the most important factor that goes into your credit score.<\/li>\n<li><strong>Credit utilization (30%) <\/strong>\u2013 Your credit utilization is how much available credit you\u2019re using. To figure out your credit utilization ratio, add all the balances of your accounts. Then add the credit limits. Divide the total balance by the total credit limit and multiply by 100. Voila \u2013 you have your credit utilization ratio!<\/li>\n<li><strong>Age of credit history (15%) <\/strong>\u2013 The age of your oldest account matters because lenders like to see that you\u2019re responsible. It\u2019s beneficial to have a long history of paying your bills on time.<\/li>\n<li><strong>Credit inquiries (10%) <\/strong>\u2013 A credit inquiry is when a bank or lender makes an inquiry about your credit to determine your creditworthiness. This is called a hard inquiry which can slightly negatively affect your score. A soft inquiry, on the other hand, is when you check your score yourself using a tool like Borrowell. Soft inquiries don\u2019t affect your credit score.<\/li>\n<li><strong>Total number of accounts (10%)<\/strong> \u2013 Having too few or too many accounts open can affect your credit score. If you have a lot of accounts, it might be beneficial to consider closing ones you don\u2019t use anymore.<\/li>\n<li><strong>Public records\/derogatory marks <\/strong>\u2013 Bankruptcies and derogatory marks can have a serious impact on your credit score. Do your best to avoid them.<\/li>\n<\/ul>\n<p>As long as you\u2019ve been paying those credit card and cell phone bills on time, your credit score should be in the fair to good range.<\/p>\n<h2>How high does my credit score need to be to get a mortgage in Canada?<\/h2>\n<p>Generally speaking, traditional mortgage lenders would like to see your credit score be at least 650. If you have a credit score of 750+, great work! You have an excellent credit score. If you have a good to excellent credit score, the credit bureau is essentially telling mortgage lenders there\u2019s a low chance you\u2019ll default on your payments since you have a good history of paying your bills on time.<\/p>\n<p>If you have a below average credit score, it\u2019s still possible to <a href=\"https:\/\/www.borrowell.com\/mortgages?utm_source=partner&amp;utm_medium=blog&amp;utm_campaign=credit_score_mortgage_zoocasa_september_2018&amp;utm_content=blog\" target=\"_blank\" rel=\"noopener noreferrer\">qualify for a mortgage<\/a>. But, you\u2019ll likely be approved by alternative mortgage lender who will charge higher interest. All the more reason to work to improve your credit score!<\/p>\n<h2>How do I improve my credit score?<\/h2>\n<p>Here are four things you can do to improve your credit score before you go looking for a mortgage.<\/p>\n<h3>Credit utilization<\/h3>\n<p>Creditors look at the amount of credit you have available and the amount you have used. Keeping the balance on your card low looks good on your credit report and to anyone checking your credit.<\/p>\n<p>Try to keep your credit utilization below 30%.&nbsp; This means if you have a credit card with a limit of $3,000, then you should keep the balance below $1,000.<\/p>\n<p><strong>Bonus tip: <\/strong>raising your credit limit (while may seem counterintuitive) can help you keep utilization low since you\u2019re increasing your available credit, creating a more favourable ratio.<\/p>\n<h3>Pay your bills on time!<\/h3>\n<p>Paying your bills on time \u2013 every time \u2013&nbsp; is one of the best things you can do to improve your credit score. This shows any potential lender that you \u2019re financially responsible. Creditors have different grace periods, so it\u2019s important to make sure you pay all bills by their due date.<\/p>\n<p>Delinquent accounts can have a negative impact on your credit score. If you have any past due accounts, try to pay off the oldest ones first.<\/p>\n<p><strong>Bonus tip<\/strong>: add your household bill due dates to your calendar on your phone so you can\u2019t miss them.<\/p>\n<h3>Pay off your credit cards<\/h3>\n<p>According to Equifax, the average Canadian has about $22,837 of debt, with much of it being carried on credit cards at a whopping 19.9% interest rate! You can prevent your account from being charged this interest if you pay it off each month, which will save you money.<\/p>\n<p>Unexpected events can happen, and you might not be able to pay your credit card bill in full each month. However, whenever possible you should try to pay it off as quickly as you can.<\/p>\n<p><strong>Bonus tip<\/strong>: products like low-interest balance credit cards and <a href=\"https:\/\/www.borrowell.com\/personal-loans\/?utm_source=partner&amp;utm_medium=blog&amp;utm_campaign=credit_score_mortgage_zoocasa_september_2018&amp;utm_content=blog\" target=\"_blank\" rel=\"noopener noreferrer\">low-interest personal loans<\/a>&nbsp;can save you money and help get you out of debt faster.<\/p>\n<h3>Get a secured credit card<\/h3>\n<p>In the event that you don\u2019t qualify for a traditional credit card, you can apply for a secured card to help you rebuild your credit score. With secured cards, you need to deposit funds onto your card before you can use it<\/p>\n<p><strong>Bonus tip<\/strong>: Secured cards act like prepaid cards, but your payments are reported to the credit bureaus so your credit score should improve over time.<\/p>\n<h2>Should I improve my credit score before applying for a mortgage?<\/h2>\n<p>Improving your <a href=\"https:\/\/www.borrowell.com\/free-credit-score\/?utm_source=partner&amp;utm_medium=blog&amp;utm_campaign=credit_score_mortgage_zoocasa_september_2018&amp;utm_content=blog\" target=\"_blank\" rel=\"noopener noreferrer\">Canadian credit score<\/a>&nbsp;is never a bad idea \u2013 but it\u2019s especially important if you\u2019re gearing up for a major life purchase! Mortgage lenders will see that you have a good history of making your payments on time and the interest rate they offer you should reflect that.<\/p>\n<p><strong>About Borrowell<\/strong><\/p>\n<p><em>Borrowell helps Canadians make great decisions about credit. With its free credit score and report monitoring, personal loans, and product recommendations, Borrowell empowers Canadians to improve their financial well-being and be the hero of their credit! Join the over 600,000 members who have checked their <\/em><em><a href=\"https:\/\/www.borrowell.com\/free-credit-score\/?utm_source=partner&amp;utm_medium=blog&amp;utm_campaign=credit_score_mortgage_zoocasa_september_2018&amp;utm_content=blog\" target=\"_blank\" rel=\"noopener noreferrer\">free Canadian credit score<\/a>&nbsp;<\/em><em>with Borrowell.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>By:&nbsp;Borrowell Buying a home is one of the most important decisions you\u2019ll ever make in your lifetime. In a survey by CIBC, 65 per cent of millennials reported that they either rent their home or live with relatives. Of that 65 per cent, a whopping 94 per cent say they plan on buying a home [&hellip;]<\/p>\n","protected":false},"author":75,"featured_media":15781,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override":[{"single_blog_custom":"","sidebar":"","second_sidebar":"","share_position":"","share_float_style":"","post_date_format":"","post_date_format_custom":"","post_reading_time_wpm":"","zoom_button_out_step":"1","zoom_button_in_step":"1","number_popup_post":"1"}],"image_override":[{"single_post_thumbnail_size":"","single_post_gallery_size":""}],"trending_post_position":"","trending_post_label":"","sponsored_post_label":"","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo":"","sponsored_post_desc":""},"jnews_primary_category":{"id":""},"footnotes":""},"categories":[487,468],"tags":[],"class_list":["post-15779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guest-posts","category-mortgages-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Credit Score Do I Need To Get A Mortgage In Canada | Zoocasa<\/title>\n<meta name=\"description\" content=\"What credit score do I need to get a mortgage in Canada? 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