If you have a less than ideal credit score, this doesn’t automatically mean you won’t qualify for a home loan. However, it may mean that you have fewer mortgage options to choose from or that you’ll need to start with a higher deposit (to minimise risk to the lender). If you’re worried about how your credit score might impact your ability to get a mortgage, then the best thing to do is talk to your mortgage broker. They can also offer practical advice on how you can work at improving your credit score.