What to do if you think or know you have an adverse credit history?
First thing we would recommend as your mortgage broker is to download a copy of your credit report especially if you’ve been declined a mortgage.
Check my file is our preferred report as this shows the 3 main credit reference agencies that lenders use to make their lending decisions. However, you can also download credit reports from Experian, Equifax, TransUnion.
We can then assess your credit history and advise on the right mortgage for your circumstances, whether that’s a high street mortgage, bad credit mortgage or specialist mortgage.