How to get an up-to-date Credit Report for your Mortgage

Why does my Mortgage Advisor need my up-to-date Credit Report?

Building up a picture of your full financial situation is the key to helping our Mortgage Advisors recommend the most suitable mortgage for your financial situation. Therefore, as a mortgage broker in Newcastle, we would always recommend you obtain an up to date copy of your report.

The Check my file Credit Report Agency is an agency that we recommend. It obtains your data from 4 Credit reference agencies, giving a full and detailed look into your profile. This data held may differ depending on which of the credit reference agencies you choose to use. Hence why we recommend check my file so we can compare the data held across all 4 agencies.

Here’s How:

• Please use the Check My File credit report. You’ll receive a free 30-day trial, which can be cancelled at any time and is only £14.99 a month afterwards.
• When you follow the link on the website, you will see a button that states ‘see your multi-agency credit report for free’. Upon clicking on this, you need to enter the required information along with the answers to the relevant security questions.
• When you are logged in and can see your credit report, the next step is to scroll down to the bottom of the page. You will then see an option to ‘Download Printable Version’. When you click this, you will see a download of your credit report process onto the device that you are using.
• This downloadable PDF document will be password protected by your 6-figure date of birth (DD,MM,YY).
• Upon download completion, please send your credit report to enquires@ukmoneyman.com along with your date of birth.

What happens when I send my Credit Report to a Mortgage Broker in Newcastle?

The next step in the process will differ depending on which device you are using to send your credit report to us by email, i.e. Laptop PC, iPhone, Android.

Our Mortgage Advisors in Newcastle will contact you as soon as they have reviewed your credit report. This is so that they can go over your mortgage options with you in more detail.

Our Mortgage Advisors in Newcastle have great knowledge in the criteria which is set out by the many lenders we work with. Some of which are called Specialist Lenders. For more information on this, please see our Specialist Mortgage Advice in Newcastle pages.

We partner our knowledge with the information you provide us within your credit report to recommend you the most suitable mortgage. Whether you are a First Time Buyer in Newcastle or whether you are looking to Move Home in Newcastle, our experienced mortgage advisors will be sure to help find the right solution for you.