Mortgage
Credit Report
Before making any decision about borrowing, it’s important to understand your credit profile.
Checking your credit report early can help you identify any issues and ensure everything is accurate before approaching lenders.
Why Check Your Credit Report?
When you submit a mortgage application, lenders will review your credit file through recognised credit reference agencies. Having a clear understanding of your report beforehand helps avoid delays or unexpected outcomes.
Be Prepared Before You Apply
When you submit a mortgage application, lenders will review your credit file through recognised credit reference agencies. Having a clear understanding of your report beforehand helps avoid delays or unexpected outcomes.
Ensure Your Information is Accurate
Errors or outdated information can impact your ability to secure a mortgage. Checking your report allows you to correct any inaccuracies in advance.
Understand Your Financial Position
Your credit report provides insight into how lenders may view your application, helping you make informed decisions before proceeding.
How Credit Scores Work
In the UK, there are three main credit reference agencies — Experian, Equifax, and TransUnion. Each holds information about your financial history and uses it to generate a credit score.
What Your Score Means
Your credit score is a summary of how you manage borrowing. It plays an important role in lending decisions across mortgages and other financial products.
Accessing Your Credit Report
You can request your credit report directly from each agency, or use a service that combines information from multiple providers into one report for easier comparison.
Multi-Agency Credit Report
We work alongside partners who provide access to a multi-agency credit report, allowing you to view information from Experian, Equifax, and TransUnion in one place.
Free Trial Available
This can be a convenient way to gain a full picture of your credit profile before taking the next step.
- Free for 30 days
- Then £14.99 per month
- Cancel at any time
Next Steps
Once you have reviewed your credit report, you can contact us to discuss your options and next steps based on your circumstances.
Ready to Review Your Options?
Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.