Credit Check
Avoid Adverse Credit Surprises
Before applying for a mortgage in the UK, it’s essential to check your credit files. This helps you identify any adverse credit history, such as missed payments, defaults, or CCJs (County Court Judgments). Knowing your credit standing before you begin your UK Expat Mortgage application means you can address any issues before they cause you a problem or become an obstacle to your mortgage application. A proactive approach enhances your chances of securing a favourable mortgage deal.
Unveiling Hidden Surprises
From our long experience individuals can sometimes forget about certain financial commitments or accounts that could impact their creditworthiness. This seems to be more the case when people live or work abroad but still have a foothold in the UK. Checking your UK credit files helps unveil any such hidden surprises, allowing you to address them before they could potentially derail your mortgage application. It’s better to deal with these surprises beforehand rather than encountering them unexpectedly during the application process.
Informed Broker Assistance
When you know your credit status, our expert specialist brokers at Liquid Expat Mortgages can provide tailored guidance to your specific needs. Understanding your credit profile enables us to navigate the mortgage market more effectively on your behalf and allows us to utilise our knowledge to identify and recommend suitable lenders who are more likely to approve your application. Your credit file and our knowledge and experience will optimise your chances of a successful Mortgage outcome.
Take Advantage of our FREE 1-Month Trial*
At Liquid Expat Mortgages, we understand the significance of empowering you with the tools needed to make informed decisions. That’s why we can offer you a complimentary 1-month trial* (via checkmyfile) for accessing your UK credit files. This trial period allows you to thoroughly review your credit standing, identify any areas of concern, and take corrective actions should it be required. Forearmed is forewarned, as you can carry out all the checks before you start your mortgage application journey. * Remember to cancel within the 28 days to ensure no subscription charges if you don’t want the on-going service
Correcting Errors and Discrepancies
By reviewing your UK credit files beforehand, you can spot any discrepancies and rectify them promptly as even the most meticulous credit file can sometimes be incorrect. These errors could range from outdated information to mistaken identity issues. Rectifying inaccuracies before applying for a mortgage ensures a smoother application process and prevents unnecessary delays.
Check Your UK Credit Files for FREE
Checking your UK credit files before applying for a mortgage as an expat isn’t just a precautionary measure—it’s a strategic step towards securing the best possible mortgage deal. Check your UK credit file here.
