What Credit Score Do You Need to Buy a House in Canada?
What Credit Score Do You Need to Buy a House in Canada? Want to buy a house? Banks want to see that your credit score screams, “I’m responsible… mostly.” Excellent (750+) : Banks roll out the red carpet. Good (700–749) : You’re solid—expect some paperwork. Fair (650–699) : Might need a bigger down payment or co-signer. Poor (<650) : Banks might ask if you’re joking… or need a financial fairy godmother. Tip: Check your score in advance, fix errors, and pay down debt—think of it like buffing your wand before wizard school. Follow our blog for funny, practical tips to boost your credit score and get the house you actually want! Informational purposes only. Mortgage approval varies by lender, credit, and income. Consult a licensed financial advisor.