What is a...


A mortgagee is a technical term for a lender that gives a borrower (also know as a Mortgagor) a mortgage in order to fund a property purchase.

A mortgagee will usually secure a legal interest in the property, allowing it to seize it in the event that the borrower defaults on their loan.

Will a mortgagee show on my Credit Report?

Any mortgage in your name – either as an individual or joint account – will show on your Credit Report and the mortgagee (lender) will be listed by name. The way you have managed your mortgage will also be reported, with any late payments likely to have a detrimental impact on your creditworthiness.

How can I see my mortgagee accounts?

The easiest way to see any mortgage lenders you have accounts with is to check your Credit Report for yourself. Because most mortgage lenders are likely to use more than one Credit Reference Agency, it’s important to check the information being reported at all sources.

Only checkmyfile lets you see everything a mortgage lender would see by collating data from Equifax, Experian and TransUnion into a single, easy-to-understand report.

You can try checkmyfile free for 30 days, after which it costs £14.99 a month. You can cancel online easily at any point.

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