Check Your Credit Report

Your credit score is a key factor in securing the right mortgage. For self-employed professionals, property investors, and limited company borrowers, understanding your credit is even more important, lenders may look at different UK credit reference agencies, and not all lenders check every one.

To make it simple, Henchurch Lane has partnered with Checkmyfile to give you a transparent, easy way to check your credit and see what affects your score.

With Checkmyfile, you can:

• View your data from all three major UK credit reference agencies: TransUnion, Equifax, and Experian
• Receive an independent credit score and clear insight into what impacts it
• Access free identity fraud protection in case of misuse
• Enjoy a 7-day free trial, easy to cancel online or via Freephone
• Know that your personal data is never sold

Why this matters for mortgage applicants:

• Gain better insight and control over your finances before applying
• Improve your chances of approval for personal, buy-to-let, or limited company SPV mortgages
• Make informed decisions about investment property and portfolio financing