YOUR FREE CREDIT REPORT

Understanding your credit history is an essential part of the mortgage journey and the first step you should consider. Before you fall in love with a property or start your Rightmove searches, it's important to understand how lenders see you - and that starts with your credit report and overall affordability.
When applying for a mortgage, lenders look closely at your credit history to decide:
● If they’re willing to lend to you● How much they’ll lend● In some instances, what interest rate you’ll get
Even if you’ve never had “bad credit,” a thin or patchy credit file can work against you. That’s why checking it early is so important.
We recommend using CheckMyFile, which shows you all three reports (Experian, Equifax and TransUnion) in one dashboard. As a new user, you’ll get a 30-day free trial, and you can cancel anytime during the trial with no charges.