Credit Report Review
Before submitting any mortgage application, I strongly recommend reviewing your credit profile.
There is no single credit score and no single credit report. Different credit reference agencies may hold slightly different information and use different scoring methods. It can feel unclear — and lenders will assess what they see, not what you expect them to see.
Checkmyfile brings together data from multiple UK credit reference agencies into one detailed report, helping you understand exactly what a lender may see.
This allows us to:
Identify errors or outdated information
Spot financial associations
Review payment history and credit utilisation
Take proactive steps to strengthen your application
Taking this step early often prevents delays later.
How It Works
Try Checkmyfile free for 30 days. £14.99 per month after. Cancel anytime.
Access your 30-day free trial here:
I may receive a commission if you choose to sign up using this link. There is no additional cost to you.
We’ll Help You:
Understand Your Affordability
We’ll calculate how much you can realistically borrow based on your income, outgoings, and credit profile — including access to higher Loan-to-Income multiples where appropriate — so you can view properties with confidence.
Find the Right Mortgage Deal
With access to a wide range of lenders and mortgage products across the market, we’ll source competitive rates tailored to your personal circumstances — not a one-size-fits-all solution.
Manage the Paperwork
We handle the entire mortgage application process, liaise directly with lenders, and keep everything moving efficiently — saving you time and stress.
Keep You Fully Informed
You’ll always know exactly where you stand. We provide clear updates at every stage and explain what’s happening next, so there are no surprises.
Ready to get started?
Book a free initial call to discuss your situation, explore your options, and understand what’s possible — with no obligation.
No pressure • No jargon • Just clear guidance
Your home may be repossessed if you do not keep up repayments on your mortgage. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
SJ Clarke Mortgages is a trading name of Simon Clarke, Mortgage advice is provided through Cedar Crest Group Limited, an appointed representative of Headway Wealth Limited, which is authorised and regulated by the Financial Conduct Authority.
Cedar Crest Group Limited is registered in England and Wales (Company Number: 12851894). Registered Office: Durham Workspace, Abbey Road, Pity Me, Durham, DH1 5JZ, United Kingdom. FCA Register Number (Cedar Crest Group Limited): 933936.