When you apply for a mortgage or any form of finance the lender will carry out a check of your current credit history in order to see how you have managed any existing or previous credit commitments.

The report will show your address history and any credit history associated to your name or address including

  • any late payments
  • missed payments
  • defaulted accounts
  • arrears
  • county court judgements (CCJ's)
  • other such issues

    • If you have a good credit history you should have access to the best rates and products but even a minor slip can affect your ability to obtain a mortgage or other credit agreement.

    If you need to know what information is held about you, you can obtain a copy of your credit report from the following sites.

    www.experian.co.uk

    www.equifax.co.uk

    Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.
    NI Mortgages is a trading style of John Grant Limited which is Authorised and Regulated by the Financial Services Authority for the provision of mortgage and general insurance advice under registration number 461989.