When you speak to a mortgage advisor in Manchester, one of the first things they’ll ask for is a copy of your credit report.

This is a vital part of understanding your financial position, and it helps your mortgage advisor find a lender that’s more likely to accept your application.

If you’re serious about getting a mortgage, whether as a first time buyer in Manchester or someone looking to remortgage or move home, it’s worth taking a few minutes to download your credit report before the conversation begins.

How to Get Your Credit Report

To get the most accurate overview of your credit history, we recommend using Checkmyfile, as it combines data from three major UK credit reference agencies: Experian, Equifax and TransUnion. This is the report we ask our customers to provide.

Here’s what to do:

  • Visit the Checkmyfile website.
  • Complete the sign-up and security steps and sign up*.
  • Click on ‘See your multi-agency credit report for free’*.
  • Once you’re logged in, scroll to the bottom of the report and click ‘Download Printable Version’.
  • Your PDF will be password protected using your date of birth in DDMMYY format.
  • Email the report to enquiries@ukmoneyman.com
    and include your date of birth in the message.

This gives your mortgage advisor in Manchester everything needed to start reviewing your mortgage options right away.

*Try it free, then it’s a paid monthly subscription – cancel online anytime

Why do mortgage advisors ask for your credit report?

Your credit report is one of the first things a mortgage lender will look at when assessing your application. It shows how you’ve managed credit in the past and helps us understand which lenders are likely to accept you.

Every lender has different criteria, some are stricter than others. By reviewing your report upfront, your mortgage advisor can avoid lenders who are unlikely to approve you and instead focus on those who are a better match.

This also helps reduce the risk of failed applications and unnecessary credit checks, both of which can harm your credit score if done repeatedly.

What happens after you send it?

Once your credit report is received, a mortgage advisor in Manchester will review the details and get in touch to talk through your mortgage options.

If any issues appear on your file, such as missed payments or high credit use, we’ll explain how this could affect your application and discuss your next steps.

We use our knowledge of lender criteria to help find a mortgage that suits your situation, whether you’re applying for the first time or coming back to the market after a few bumps in the road.

What if you’ve had credit problems in the past?

Credit issues don’t always mean you can’t get a mortgage. There are lenders who offer products designed for customers with historic or minor blips, and we work with many of them regularly.

Some examples of what we can help with:

  • Missed payments
  • Defaults or CCJs
  • Debt management plans
  • Payday loans on file
  • Low credit scores or thin credit history

By reviewing your credit report upfront, we can give a more accurate picture of your options and help you avoid wasting time on lenders who are unlikely to accept your application.

Why do credit reports matter when getting a mortgage?

If you’re a first time buyer in Manchester or moving to a new home, lenders will want to see that you’re reliable when it comes to managing money. Your credit report is a key part of that assessment.

Even something as simple as a missed mobile phone payment can affect your chances, especially if you’re applying for a 95% mortgage where lending criteria is more strict.

That’s why our mortgage advisors in Manchester always ask to see your report at the very beginning. It helps us support you properly and give realistic advice from day one.

Date Last Edited: December 23, 2025