"We will hold your hand every step of the way!"
All lenders will carry out a credit search, a credit score or a combination of the two upon receiving your application. Your credit file will provide the lender with a profile of how you have handled your current and past credit commitments.
If you are unsure of any bad credit registered against you or have been turned down for mortgage by a lender, it may be a good idea to obtain a copy of your credit file.
The two largest credit reference agencies are Equifax and Experian. The consumer credit act allows both agencies to charge £2.00 for providing you with copies of your personal information.
Information about Equifax can be found at their website at www.equifax.co.uk
Information about Experian can be found at their website at www.experian.co.uk
YOUR HOME MAY BE REPOSSESED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
There will be a fee payable upon application of a mortgage of £250
Dolphin Independent (Mortgage Advice) Limited is an appointed representative of Personal Touch Financial Services Limited which is authorised and regulated by the Financial Conduct Authority. We are entered on the FCA Register No 511232 at www.fca.org.uk/register.
Registered Office Address: 462 Wokingham Road, Earley, Reading, Berkshire, RG6 7HY. Registered in England & Wales. Company Registration Number: 09510821