Most mortgage lenders will normally undertake a credit search on you. The information provided by the credit reference agency will be used to help the mortgage lender assess your credit rating. If want to know the information stored on your credit file use our online credit rating service.

Online credit reports Equifax credit report £12.50 Equifax credit rating £14.95

Our credit rating service
We have teamed up with Equifax, one of the leading credit reference agencies in the UK to provide you with immediate online access to your credit files. Our service can also help you find out how to improve your credit rating, and show you how to reduce the risk of identity theft. Obtain your online credit report now.

Information on a credit report
The bulk of your credit report consists of details about credit accounts that have been opened in your name or that list you as an authorised user (such as a spouse's credit card). Account details, which are supplied by creditors with which you have an account, include the date the account was opened, the credit limit or amount of the loan, the payment terms, the balance, and a history that shows whether or not you've paid the account on time. Closed or inactive accounts, depending on the manner in which they were paid, stay on your report for up to 6 years from the date of their last activity.

Your credit rating
Lenders use their own formulas to calculate your credit rating, but most are based on a scoring system around seven basic factors. The factors include your payment history, amount owed, length of credit, new accounts, accounts in use, public records and searches.

Poor credit rating
If you fail one mortgage lenders credit score it does not necessarily mean you cannot obtain a mortgage. Different lenders set different criteria when assessing your credit report and some mortgage lenders will only offer you a mortgage if you have a poor credit score. Check the information on your credit file.

To request advice
Complete our online mortgage advice enquiry form or call one of our specialist independent mortgage advisers to receive free mortgage advice. As an internet based firm of independent financial advisers we provide advice over the telephone, via email and through the post. Dealing with you in this way means we can provide independent mortgage advice without charging you a broker fee.

Help & advice
There are many different options to consider when choosing a mortgage and it makes sense to take advice from a qualified mortgage specialist who is independent and can offer you products and services from the whole of the market place. Please call one of our independent advisers or contact us to discuss the different options available to you and to request a quote on the best mortgage for you.