Check my credit score

If you have already visited our previous pages you will already know that lenders work out what you can borrow based on your affordability, by applying their point score tolerances and their individual criteria.

You get extra points for consistency, how long you have stayed in same job and addresses for example. Not stretching yourself to the maximum also goes in your favor as well as demonstrating a history of being a good payer on past agreements. Do not be surprised though if the opposite has an adverse effect on you score!!

A lower score doesn't mean you cannot get a mortgage however it just means you may be restricted on your choices and if not careful without the correct advice you could end up paying dearly for this.

Knowing which lender to go to for the best is about algorithms, criteria, credit scores but more importantly getting the right advice in the first place. So there is no substitute really to speaking to an Elamo advisor.

If you are concerned about any inconsistencies or skeletons in the cupboard you can visit a reputable credit agency and request a copy of your credit file or now could be the right time to talk to an expert who will help review your profile and point you to the right lender and solution for your circumstances.