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.
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.
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.
Step Three: Upload your credit report to us using Live Chat
Not all email is secure, so please do not email your report to us.
You can safely transmit your report to us by visiting our live chat page and uploading it directly.
To do this, go to Live Chat and use the orange chat button in the bottom, right hand corner of the page.
Once you have the chat screen open you’ll see a paperclip icon. Click on the paperclip and upload the report to us securely.
|The paperclip to use||Upload successfully completed|
Send your report along with the following information:
- Your name
- Your date of birth
- Who the report is for (the advisor you have been talking with)
Additional information you may find useful
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 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.