Your Credit Report

Why We Ask for a Credit Report

Your credit report is one of the most important factors in securing the right mortgage. It helps determine which lenders are available to you, how much you can borrow, and on what terms.

At RPS Mortgages, we review a full credit report in every case. This allows us to give accurate advice, avoid unnecessary declines, and match you with lenders that are genuinely suited to your circumstances — especially where credit history or income is complex.

No Guesswork. No Surprises.

By checking your credit report upfront, we can:

Identify potential issues early
Avoid failed applications and wasted credit searches
Recommend lenders with the highest chance of success

This approach protects your credit profile and saves time.

Free Credit Report for Our Clients
We’ve partnered with Checkmyfile to give RPS Mortgages clients access to a free 7-day trial.

Checkmyfile provides a multi-agency credit report, giving a complete view of your credit history in one place — far more detailed than single-agency reports.

There’s no upfront cost and no obligation to continue after the trial.

Clear Advice From Day One

Starting with a full credit report means clearer advice, fewer surprises, and a smoother mortgage journey — whether you have adverse credit, complex income, or simply want the best possible outcome.