Helpful Resources
Credit Report
If you’re thinking about getting a mortgage, it’s really important to know what information banks, lenders, and other financial institutions have about your credit history.
Your credit score plays a crucial role in mortgage approval, so it’s essential to stay informed about your credit report. As your mortgage broker, we also need to understand your current credit agreements and expenses to give you the best advice.
We recommend getting an up-to-date credit report as you begin your mortgage journey. There are many ways to obtain a report, but at The Mortgage Move, we trust CheckMyFile as the most reliable and accurate option. CheckMyFile combines data from three major credit agencies—Equifax, Experian, and TransUnion—into one easy-to-read report.
Can I get a mortgage if I have credit issues
Absolutely, in most cases, you can! Many lenders understand that a small credit hiccup isn’t a big deal. If it’s something more significant, there’s no need to stress. We’re here to review your situation and figure out the best options for you. You might need to consider a higher deposit or interest rate initially, but it won’t be permanent. Plus, we’re here to help you improve your credit report and explore better mortgage options in the future.
We’ve made it easy for you to check your credit report.
Obtain a FREE 30 day trial to CheckyMyFile here*
*The following button will redirect you away from The Mortgage Move’s website and take you to CheckMyFile, a 3rd party partner website.
Get your 30-day free trial
Important things to know.
After the 30-day free trial, your subscription will become chargeable at £14.99 per month. You can cancel anytime which is easy to do.
The Mortgage Move takes no responsibility for ensuring your trial or subscription is cancelled and accepts no liability if you are charged as a result of not cancelling your trial.
Stamp Duty land tax
Stamp Duty is a tax that may apply when you purchase a residential property or land in England or Northern Ireland, provided the value exceeds a specific threshold. The amount you need to pay depends on your personal circumstances and the property’s value. Your solicitor will provide a quote when you instruct them, but you can also use the calculator below to estimate the cost.
Other types of lending
While The Mortgage Move specialises in first-charge residential and buy-to-let mortgages, we can also assist with a variety of other borrowing needs. If you require help with any of the following, feel free to reach out to us:
- Second charge mortgages
- Bridging loans
- Commercial mortgages
- Equity release mortgages
- Independent financial advice
Other types of lending
While The Mortgage Move specialises in first-charge residential and buy-to-let mortgages, we can also assist with a variety of other borrowing needs. If you require help with any of the following, feel free to reach out to us:
- Second charge mortgages
- Bridging loans
- Commercial mortgages
- Equity release mortgages
- Independent financial advice
Making the mortgage journey simpler and more transparent
When you’re buying a property, you’ve got enough to think about without feeling pressured or uncertain. At The Mortgage Move, we’re here for more than just the paperwork. We’ll walk you through everything you need to know, and you can count on us to be available whenever you have questions. Let’s make your home-buying journey smooth and stress-free, together.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it