Check your credit report before you apply
Before you apply for a mortgage, it's good practice to get an up-to-date copy of your credit file — so there are no hidden surprises that could affect your application.
Why check your credit file?
Lenders use different credit reference agencies, so your file can look different depending on which one they check. That's why I recommend CheckMyFile — it brings together the information held by all three of the main agencies (Equifax, Experian and TransUnion) in one easy-to-read report, giving you the fullest picture before you apply.
CheckMyFile is free for the first 7 days, then £14.99 a month, and you can cancel online at any time — including within the free trial.
Pinpoint Mortgages is a trading style of Pinpoint Mortgages Limited, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 1063204.
Think carefully before securing other debts against your home. Typically, we charge a fee of £299 for arranging your mortgage, however the actual fee will depend on your circumstances, and will not exceed £1,000. The Financial Conduct Authority does not regulate most buy-to-let mortgages.
Pinpoint Mortgages Limited is registered in England & Wales under company number 17375119. Registered office: 7 Chelmer Close, Lincoln, England, LN6 8TH. You can check the Financial Services Register at register.fca.org.uk or by calling the FCA on 0800 111 6768.