FREE CREDIT REPORT

Getting Started

Getting Started

At Fortitude Mortgage Brokers we genuinely try to make the process of getting a mortgage as easy as 1-2-3. In fact, in order to get started, it just requires three simple steps:

Step 1: Check you’re eligible for a mortgage

First things first, let’s check whether you’re likely to be accepted for a mortgage. To help you we’ve designed a short quiz. It takes less than a minute and will let you know whether you’re able to proceed now, or whether there are steps you need to take in order to make yourself “mortgage ready”.

Step 2: Check your credit

Having checked you’re eligibility, the next step is to check your credit file. Even if you have a great credit record, this is important.

The reason for this is that occasionally people find adverse credit on their credit file that they’re not aware of. It sounds unbelievable, but it happens more often than you would realise. One common scenario is where two family members living together have similar (or even the same) names (think father and son. Husband and wife would be very unusual). Sometimes the adverse credit is recorded against the wrong person. Another common scenario is where an individual moves house but doesn’t correctly close a utility account. The utility provider sends all their communications including chasers to the old address, which the individual never receives. Before they know it they have a County Court Judgement registered against them, which they know nothing about.

In terms of credit files, we recommend CheckMyFile. This is for two reasons. Firstly, it’s free (provided you cancel within 30 days), and secondly, it includes the four main credit reference agencies. Many alternative credit reports will only contain the information from one agency. Given that some credit may not be picked up by all agencies, it’s important to see the complete picture.

You can download your CheckMyFile report here.

Step 3: Let’s chat

With all the background work done, the final stage is simply to arrange a friendly and informal chat with ourselves. There’s no commitment required to proceed any further and no costs involved either. The purpose of this step is simply to understand your situation, background and what you’re looking to achieve.

It’s also an opportunity for you to ask as many questions as you would like, and to find out more about the process of sourcing a mortgage.

By the end of the call you should have an understanding as to what your options are, what the process looks like and your next steps.

To book an introductory chat, simply fill in the form below.

Let’s Talk!
Get in touch now.