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Pete Mugleston

To find out exactly what your eligible for and at what rates please fill out a quick enquiry form or give us a call on 0808 189 2301.

Mortgage Applications & Credit Reports

To give your specialist advisor the best chance of finding the right mortgage for you, they’ll need a copy of your credit reports.

We’ve partnered with the 3 main credit reference agencies (Checkmyfile, UKCreditRatings and Experian) to provide our customers with quick and easy access to their reports.

Get your reports and then safely and securely upload them to our support team by following these three easy steps:

Step One: Sign up on a laptop or desktop computer

We’d recommend getting a report from all three as they can be different, and lenders may require different information.

Typically, it takes less than five minutes to sign up and, in most cases, your report will be ready to view immediately.

CheckMyFile is a popular choice with many people as it covers data from Equifax, Experian, TransUnion and Crediva.

Alternatively, you can use UK Credit Ratings or Experian to get your credit file.

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Step Two: Save your report as a PDF

We need a PDF of your report as screenshots might miss vital information which could delay finding you a suitable mortgage lender.

You won’t be able to generate a PDF on your phone, which is why Step One – Sign up on a laptop or desktop computer – matters!

If you’re using Check My File, to create a PDF of your credit report, click the ‘Download Printable Report’ at the bottom of the page.

A password will be attached to your report, if you’re using Check My File. You don’t need to reset the password, but if you do you’ll need to share it with us when you attach your PDF document so that we can access the data.

Additional information you may find useful 

  • Lenders like credit reports from Experian, Check My File or UK Credit Ratings. We’d recommend getting a report from all three as they can be different, and lenders may require different information
  • Along with your credit report, our advisors will need address history covering the last six years

Why does your broker need 3 reports?

  • Every lender in the UK has their own unique criteria regarding who they will accept for a mortgage.
  • Credit reports can be the determining factor between being accepted for a mortgage and being declined.
  • Having access to all three would give the broker the best chance of finding you a mortgage and the best deals.
  • Looking at your credit reports will allow the mortgage broker to see what the lenders see.

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Track your enquiry

If you have any questions about your enquiry, you can call us on 0808 189 2301 and we’ll be happy to help.