Do you know what’s registered against you?
Your credit report is probably one of your most valuable assets but most clients don’t know what it contains. A Credit Report is a file that all lenders can access when they are considering your mortgage application. It will provide vital information about your attitude to credit. It will show how you have managed credit in the past and if you have any County Court Judgement’s or you have been made bankrupt. Most clients are aware that this information is available but don’t realise the consequences of a poor credit history.
True Cost Mortgages offer a Credit Report Review service which will allow you to fully understand your credit score as well as the contents of the credit report.
You can obtain a copy of your report by contacting one of the credit reference agencies. These are the companies that receive information from any provider of credit that you may have taken out. This will include bank accounts, utility companies, credit cards, loans, pay day loan and car insurance.
To obtain your report contact Experian, Equifax or Credit Club.
All major credit score providers now provide a free statutory report.
Once you have your report call our review team FREE on 0800 035 2989 and we can review the report and advise on its contents and how it will effect your mortgage application.
The business advice centre limited T/A True cost mortgages is an appointed representative of Julian Harris Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority. We are Registered in England and Wales. Registered Address Suite 4, 48 Westgate, Skelmersdale WN8 8AZ. Registered Company No 7931506. We are an appointed representative of Julian Harris Mortgages Limited, Julian Harris House, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority. Julian Harris Mortgages Limited FCA Register number is 304155.
UK Guidance – The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK
We will provide you with a free initial consultation and we will always explain exactly what you will be charged before you choose to proceed with an application. Our professional fee charged is £349 which is payable upon receipt of your mortgage offer. We will also be paid commission from the lender.
For Lifetime Mortgages our professional fee charged is £995 which is payable when your mortgage completes. We will also be paid commission from the lender.
Please Note think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA.
‘The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.’
Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.
Check My File is an affiliated link and therefore it helps us offer our Credit Report Review Service free of charge. If you go through the link, it can result in a payment or benefit to the site.