Once a mortgage application has been submitted, the lender will access your credit file information via one or more of the recognised credit reference agencies.
As part of the initial mortgage assessment prior to submission, we will establish the precise details of your credit history in order to approach the most suitable lender based upon available information.
If you’re concerned about having “bad” or “adverse” credit, the simplest way to make sure we have an accurate analysis of your circumstances from the outset is to provide us with a copy of your up-to-date credit report. If you don’t currently have a copy of the report, log on or speak to one of these recommended companies about obtaining your credit report today.
Once you have access to the report and information, please contact us at Just Mortgage Brokers to discuss the next step.