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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.

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

  • 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 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.