Your Credit & Obtaining a Mortgage

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Credit & Affordability

Would you lend some one money if you did not know them or know how good they are at paying back if they borrow money. Well, this is what a finance provider does. They use a credit report to decide on how credit worthy (reliable) you are at maintain payments.

The credit report contains a whole host of information used by the lender to decide whether they will lend to you or not.

In the UK there are 3 credit reference agency that hold information about your credit. They are Equifax, Experian & TransUnion. Not all the agencies may hold the same information. For example, a loan provider may report the payment records to one agency and not to the other. Its important to get all three to be sure.

You are able to obtain your credit report for free for a period of time. After this the agencies may charge. There are also now credit sights that offer the report for free but don’t have the level of detail needed.

We are partnered with Check My file to obtain your report. Here’s why. Their report contains the information held by each of the agencies all in one report.

This makes it easy to:-

1) Compare the data held.
2) You are able to look for differences or anomalies.
3) Identify problem accounts, and take steps to minimise their impact
4) See the types of credit reported from your electric bill to your mortgage
5) View up to 6 years’ history of your repayment performance.

Here are questions we get asked a lot of time. All we say is talk to your adverse download and send them your report and we will let you know if you will be able to get a mortgage or not.

Speak To An Expert

It doesn’t cost anything for a chat, it’s free and we never charge a fee until we’ve got a mortgage offer. So pick up the phone and let us take it from there.

Why us?

Our Approach

Personalised – there is no ‘one size fits all’ when it comes to property advice. Your needs are not the same as anyone else’s and nor is our advice. We spend time getting to know you and your motivation for purchasing a property. 

Choice – we’re a mortgage broker, so we have the widest possible range of options. 

Technology and expertise – we use a combination of cutting-edge tech and 35 years of good old-fashioned financial expertise to find the right loan for your circumstances. 

Efficient – we admit it, we’re a little bit obsessed with streamlining. Our inspiration is Formula One – did you know that in 1950 a pitstop took 67 seconds? Today it takes 2. The difference? Organisation, training, and tools. We’ve learned from that and have streamlined our processes to get you into your property faster and hassle-free. Our case studies speak for ourselves!