How to know if you have bad credit?

Your credit score is a crucial part of any lenders mortgage application assessments. [How to know if you have bad credit?]( Call us on: [01473 356 284](tel:01473 356 284) Your credit score is a crucial part of any lenders [mortgage application]( assessments. As you will be borrowing money, a lender needs confidence in knowing that you’re able to pay it back. Checking your credit history is essential. So, how do you check? Well, to be as accurate as possible you will need to go to all three main credit reference agencies. These are [Experian]( [Equifax]( and [TransUnion](. It’s important to use all of them as they may all slightly different information. You can also use [Checkmyfile]( which combines data from all three agencies and provides you with a detailed report. Once you have obtained your credit record from all three, you will then be able to see your history and score. Contact the correct agency with supporting documentation if something doesn’t look right. If you want to discuss your chances of getting a mortgage with bad credit, why not [contact us today]( [alt_text]( [Use our free mortgage calculators below – no credit checks!]( [alt_text]( [Bad Credit Mortgage Calculator]( Fill out a few details to see if you are eligible for a Bad Credit Mortgage. [alt_text]( [Mortgage Affordability Calculator]( Complete your income details to give yourself an idea of how much you could borrow. [alt_text]( [Self-Employed Mortgage Calculator]( Fill in a few details to see if you qualify for a Self-Employed Mortgage. [What are the benefits of using a mortgage broker as a first-time buyer?]( As a [first-time buyer]( the [whole mortgage process]( can seem a little bit daunting. So, how do you benefit from using a [mortgage broker]( Below we have highlighted some of the key benefits: Save time and effort – A broker will be able to research lenders to find you the best mortgage product. Without expert advice you may not know if you’re picking the right one. Save you money – While many brokers charge a fee, pairing you with the right mortgage product can save you money. Savings can be made on things like interest rates and arrangement fees. Expert guidance – Typically, brokers have good relationships with people like conveyancers as well as lenders, ensuring you’re provided with the best service for every step of your application. [Our expert advisors]( will be able to discuss your circumstances, then set a plan to get you started. [Speak to a member of our team]( Follow Us [alt_text]( [alt_text]( [alt_text]( [alt_text]( [01473 356 284](tel:01473 356 284) [justmortgagebrokers.co.uk]( Just Mortgage Brokers Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Just Mortgage Brokers Limited. Registered Company number: 08389911. Registered office: 22-24 High Street, Needham Market, Ipswich, IP6 8AP YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. June 2024 [Unsubscribe](