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Check Your Credit Report Before Applying for a Mortgage

Check Your Free Credit Report
Before you apply for a mortgage, it is a good idea to check your credit report.
Your credit report helps lenders understand how you manage money. It can show things like credit cards, loans, missed payments, defaults, CCJs and how much credit you are using.
Checking your report early gives you time to spot any problems before you apply for a mortgage.

Why Your Credit Report Matters

When you apply for a mortgage, lenders will look at your credit history as part of their checks.
Your credit report can affect:
Whether a lender may accept your application
How much you may be able to borrow
What mortgage rates may be available to you
Whether you need a larger deposit
Which lenders may be most suitable for your situation
You do not need a perfect credit score to get a mortgage, but understanding your report can help you feel more prepared.

Need Help With Your Mortgage?

If you are not sure whether your credit history could affect your mortgage, speak to Green & Green Mortgage and Protection.
You can get clear, honest advice based on your income, deposit, credit history and personal situation.
This page includes a link to a third-party credit report provider. Green & Green may receive a commission if you use this link. This does not affect the cost to you. Please check the provider’s terms, privacy policy and any conditions before signing up.