Another great service that we can offer you through L&C Mortgages is a free credit check facility with Noddle. Noddle is part of the Callcredit Information group who are used by many financial institutions to provide credit information about potential customers, which is part of the picture that helps them decide whether they will lend to you or not.

Why do you need a credit check?

When lenders assess your mortgage application, they use a credit reference agency and credit scoring to help them make a decision. This credit checking process has an big impact on whether you will get a mortgage or not.

Rather than this process going on behind closed doors, you can get ahead of the game and avoid disappointment and time wasting by checking your credit rating and credit score for free, simply by visiting Noddle. This means that if there is something on your credit file you are not expecting you may be able to sort it out before applying for a mortgage.

How does it work?

Unlike other credit report services which are free for just a limited period, Noddle’s service is free for life. You can view your credit report online, giving you access to what the lenders see. They also offer an online dispute service to help you correct any errors quickly and simply, and offer support from their dedicated customer services team

If you get a bad credit score - what next?

If you're looking for a mortgage and have a bad credit score, don't just head to a bad credit specialist. Call us first. We look across the mortgage market and our experts will know which lender may be sympathetic to your circumstances, and remember - we do not charge a broker fee.

You may even find that rather than being placed on a specialist mortgage with a high interest rate we can find you a standard mortgage. If you are already on a specialist mortgage and have been paying a higher interest rate it might be worth seeing if we can switch you to a better mortgage deal

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