Credit Report

Why get a credit report?

When applying for a mortgage, your credit file plays a significant part in what mortgage lender you can use, potentially impacting the product you can apply for.

A mortgage lender will rely on information given from the credit agency to decide on if they feel confident the individual can make payments on time and fully repay the mortgage.

Obtaining your credit file is always worthwhile as your report will detail areas of improvement across your finances. This means you can work on improving certain aspects of your finances which will strengthen your chances of lending and obtaining better rates of lending in the future.

If you have not reviewed your credit file before or not up to date with it, why not click our link to take you to our trusted credit agency Checkmyfile. We recommend Checkmyfile as they are the UK’S only online multi agency credit report provider, taking full credit history information from Equifax, Experian and TransUnion, giving you confidence, your information is accurate, and no data is missed.

Why not get a free 7-day trial, £14.99 a month thereafter and be cancelled at ANY time.

£12 will be paid by Check My File to ABC Mortgages Ltd trading as ABC Mortgages, which is an Appointed Representative of HL Partnership Limited, authorised and regulated by the Financial Conduct Authority. HL Partnership Limited does not receive any share of this commission and has no direct affiliation with Check My File.

Get started

Refer a friend and you’ll receive £50

Refer a friend to ABC Mortgages and on completion of their mortage you will recieve £50

Get started

Important Information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.

The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

Refer a friend and you’ll receive £50

Refer a friend to ABC Mortgages and on completion of their mortgage you will recieve £50

“I would really recommend ABC mortgages. Adam has been a fantastic help and has provided us with lots of information to complete our mortgage. He is reliable and trustworthy, also being there every time we need questions answering, with quick responses too. His friendly and professional nature makes you feel comfortable and at ease, in what can easily be a stressful time. 100% recommend. Many thanks for your help Adam!!”

“I was introduced to Matt at ABC Mortgages from a friend, and have been blown away by the support and level of service the team offer. Quick to respond to all my queries and any questions I had. I was kept up to date throughout the whole process and offered all the advice I needed. I would not only use their service again, but would also recommend ABC Mortgages to anyone without any hesitation.”

“I cannot recommend Adam from ABC mortgages highly enough! He responds to queries promptly, he is honest with his advice and works so hard to get you the best deal. He clearly explains the whole process and is so knowledgable. He answered all my questions, no matter how silly they were! And anything I didn’t understand, he broke down clearly for me so I could understand. This is our third time dealing with Adam and there is no one else we would go to.. if you are thinking of using ABC Mortgages do it! Thank you Adam for making this process so easy and stress free!”

“We went to ABC mortgages after hearing a great recommendation. As First time buyers we was pretty green about the whole process, buy Matt made it very simple, gave great advice and knew how to answer every question we had. I was shocked at the speed of the turn around from ABC Mortgages and they dealt with us a in a professional but personal manner. Would highly recommend using them.”

    
 
 
       Posted on Google  
   
   Michele Bergin 
 
 
 
 Trustindex verifies that the original source of the review is Google. Adam was absolutely brilliant from start to finish. He made the whole process so easy, sorted everything out quickly and was always at the end of the phone whenever we had any questions. Fantastic service and we wouldn’t hesitate to recommend him. Thank you, Adam!
  
 
      Posted on Google  
   
   Ayla Hunnisett 
 
 
 
 Trustindex verifies that the original source of the review is Google. Emma has been absolutely amazing throughout the whole process of buying my first home! I honestly didn’t have a clue where to start, but she explained everything so clearly and was always my first port of call whenever I had a question or worry.

She was so understanding of my circumstances and took away so much of my anxiety. Emma is lovely, friendly, approachable and genuinely amazing at what she does. I wouldn’t use anyone else and couldn’t recommend her enough! ❤️
  
 
      Posted on Google  
   
   Kieron Hughes 
 
 
 
 Trustindex verifies that the original source of the review is Google. We are returning customers and this is the third time Adam has helped secure and sort our mortgage. Service is excellent and he is a very pleasant and helpful person. Would highly recommend ABC mortgages.
  
 
      Posted on Google  
   
   Rick Hudson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Emma was excellent during our remortgage.   Provided great advice and took time to understand our personal circumstances and what would work best for us.  Emma supported us from start to finish making the whole process easier and less stressful.   Would highly recommend.
  
 
      Posted on Google  
   
   ellie stratford 
 
 
 
 Trustindex verifies that the original source of the review is Google. Adam helped us so much with buying our first home, and was so friendly and helpful
He made the whole journey straightforward and explained everything very well
Couldn’t recommend enough!
Thank you Adam
  
 
      Posted on Google  
   
   Alannah Harkup 
 
 
 
 Trustindex verifies that the original source of the review is Google. We honestly couldn’t recommend our mortgage broker Emma enough! From start to finish & every step in between she has been absolutely amazing. So friendly, approachable and down to earth, and always made us feel comfortable and supported throughout the whole process.

We’d been told buying a house can be such a stressful experience, but Emma made everything feel so much easier. She was always there to answer our questions, explain things clearly and go above and beyond to help us.

We’re so grateful for everything she has done for us and wouldn’t hesitate to use her again. In fact, we wouldn’t use anyone else! We would 100% recommend to anyone looking for a mortgage broker. Thank you so much for all your help!
  
 
      Posted on Google  
   
   Jeni 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot speak highly enough of the service I got from Emma, she went above and beyond during the whole process. Emma helped me understand the process and and made me feel at ease. I’m so grateful for everything she did for me and would recommend her to everyone. Honestly absolutely outstanding service.
  
 
      Posted on Google  
   
   Elise Thompson 
 
 
 
 Trustindex verifies that the original source of the review is Google. We honestly couldn’t recommend Matt enough! From start to finish, he was absolutely brilliant and made the whole mortgage process feel so much easier for us.

Being first-time buyers, and with our circumstances not being completely straightforward, we were quite nervous about the whole process. Matt took the time to understand our situation and kept going until he found the right mortgage deal for us. He was always helpful, reassuring and happy to answer any questions we had, which made what could have been a really stressful process so much easier.

We’re so grateful for all of Matt’s help and would recommend him to anyone looking for a mortgage broker. Thank you so much, Matt! 😊
  
 
      Posted on Google  
   
   akinyemi joshua 
 
 
 
 Trustindex verifies that the original source of the review is Google. We would highly recommend Emma as a mortgage advisor. From the very beginning, she was incredibly helpful, knowledgeable, and professional throughout the entire mortgage process.

Emma took the time to explain every step clearly, answered all of our questions promptly, and provided valuable advice that helped make what could have been a stressful experience feel straightforward and manageable. Her communication was excellent, and she was always available to provide updates and guidance whenever needed.

Thanks to Emma’s dedication, expertise, and hard work, we were able to secure our mortgage smoothly and with confidence. She genuinely cared about achieving the best outcome for us and went above and beyond to ensure everything progressed efficiently.

We are extremely grateful for her support and would not hesitate to recommend Emma to anyone looking for a reliable, knowledgeable, and supportive mortgage advisor.
  
 
      Posted on Google  
   
   Sam Cannon 
 
 
 
 Trustindex verifies that the original source of the review is Google. Emma was absolutely outstanding from start to finish. She went above and beyond to make what could have been a stressful process feel straightforward and manageable. Her knowledge, professionalism, and attention to detail were exceptional, and she was always available to answer questions, no matter how small.
What really set Emma apart was her genuine care and commitment. She kept me informed every step of the way, explained everything clearly, and worked tirelessly to secure the best outcome. Nothing ever felt like too much trouble, and her dedication gave me complete confidence throughout the entire mortgage process.
I can't recommend Emma highly enough. If you're looking for a mortgage advisor who is knowledgeable, responsive, and truly goes the extra mile for her clients, Emma is the one to choose. Thank you for your incredible support—I couldn't have done it without you!

Talk to us today!

Talk to us today!

Connect With Us

Information

Find a mortgage
Mortgage calculators
About
Contact

Legal

Your home/property may be repossessed if you do not keep up repayments on
your mortgage.

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we
estimate it will be £395.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

ABC Mortgages Ltd trading as ABC Mortgages are an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

ABC Mortgages Ltd are registered in England and Wales. Registered No: 13184891. Registered Office: Suite 103, St Georges Business Park, Castle Road,
Sittingbourne, Kent, England, ME10 3TB.