Tips to Improve Your Credit Score

Many first time buyers and home movers feel credit scoring is an unfair way of mortgage lenders assessing applications. Of course, the mortgage lenders feel differently about this, as it works out much cheaper and gives more consistent outcomes to minimise their risk.

If you’re worried about the credit scoring system for obtaining a mortgage, don’t fret. There are many mortgage lenders out there, each with their own scoring systems and criteria.

It can be helpful to obtain a copy of your credit report, when applying for a mortgage. If you send an up-to-date copy of your credit report to your mortgage advisor upfront and you will increase your chances of being accepted first time.

Obtaining a Copy of Your Credit Report

You can use various credit reference agencies such as Experian and Equifax however we recommend CheckMyFile as it provides an overview based on information from multiple agencies. You can get a 30-day free trial, which can be cancelled at any time.

If you use the link below, you’ll receive a free, instant PDF download.

Tips to Improve Your Credit Score

The more our trusted and experienced mortgage advisors know about your finances, the better they can look to help you.

Last Edited 07/06/2023

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