"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
Dolphin Independent (Mortgage Advice) of 462 Wokingham Road, Reading, Berkshire RG6 7HY is authorised and regulated by the Financial Services Authority. We are entered on the FSA Register No 302681 at www.fsa.gov.uk/register.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but we estimate that it will be £250.00
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK
For impartial information on mortgages and financial matters, please visit the FSA's "Money Made Clear" website.
Your home may be repossessed if you do not keep up repayments on your mortgage