What is a...


A Mortgagor is simply someone that borrows money from a lender in order to purchase a property or piece of land. Not to be confused with a Mortgagee (the lender).

What checks will a Mortgagor have to pass?

As part of the process, the lender will run various checks with particular focus on creditworthiness and affordability. To assist with coming to a responsible lending decision, the lender will access the Mortgagor's Credit Report and assess the information it contains.

Any adverse information could cause delays to the application or worse, the application declined.

I’m about to apply for a mortgage – do I need to check my credit report?

The best way of finding out what your Credit Report looks like is to check it for yourself before applying for a mortgage. Uniquely, checkmyfile lets you see and compare data from the three main Credit Reference Agencies together in the same format.

You’ll be able to check how long information is due to remain on your report and should you find anything that doesn’t look right, our team of Professional Credit Analysts is on hand to give you advice or even dispute it on your behalf.

checkmyfile is free for 30 days, then £14.99 a month. You can cancel online at any time without fuss.

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The UK's First Provider Of Online Credit Reports

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