First time buyer FAQs

The Key Solutions team is here to advise and guide you through the entire mortgage process.  To help we have compiled a list of questions we are frequently asked by our clients.  If you cannot find the answer to your question, give us a call on 0800 138 5856 or drop us an email and one of our team of mortgage specialists will get back to you within 24 hours to help in any way they can.

We are here to make life easier and better for everyone.

What is a credit check?

A credit check is a view of credit accounts you’ve had. It details your repayment history and any missed or late payments, bankruptcies, individual voluntary arrangements and court judgements can stay on your credit history for at least six years.

It is important to note that by using one of the credit checking tools you will leave a “footprint” on your credit report in the form of an enquiry.  This will not negatively affect your credit score.

Will an Agreement in Principle affect my credit score?

A credit score is a tool used by lenders to help determine whether you qualify for a mortgage. Using the information on your credit report and the information you supply for your application, the lenders use a mathematical model to calculate a score that represents your credit history.  If you have multiple credit checks carried out over a short period of time, it can affect your credit score rating.  At Key Solutions, your Mortgage Adviser will discuss your circumstances and carry out affordability calculations before carrying out an Agreement in Principle so that you do not have multiple checks which could possibly prejudice your credit score.  You will always be asked for your permission before we carry out a credit check with a mortgage lender.
















What if I have a poor Credit Score?

We arrange mortgages for clients with all circumstances and situations.  Whether you have missed payments or have a County Court Judgement (CCJ), we may still have lenders who will consider lending.  If you obtain a copy of your credit file this will help us to understand your circumstances and obtain the most competitive mortgage for you.  Most lenders use Experian or Equifax when conducting a credit check.  Please visit Experian and Equifax to obtain your personal file.

What is a “footprint”?

A credit search footprint is a mark left on your credit file which states that you, a lender or credit company has looked at your file, which usually happens when you apply for credit.

An enquiry is known as a soft footprint whereas an application for credit such as a mortgage, credit card or loan is known as a hard footprint.

Soft footprints ae only visible to you, whereas hard footprints will be visible to any lender. Having a larger number of hard footprints in your recent credit history can lower your score.

How can I make my credit score better?

Having a better score means that lenders are more likely to approve applications. There’s many ways to improve your credit score, you can:

  • Register to vote
  • Reduce the amount of debt you owe
  • Try to avoid missing payments
  • Check your credit file regularly
  • Don’t make lots of loan applications in a short space of time

Your dedicated adviser will be able to provide help and support in accessing and increasing your credit score.

Our Clients Say…

It’s always great to get positive feedback from happy clients and we are lucky enough to receive it time and time again.  Here’s just a small selection of our clients’ opinions.

The Key Solutions Difference

Our clients are always telling us that we are more than just a Mortgage Broker. Find out what makes us different and why they keep coming back time after time.

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Get In Touch

To get more help call the gang on 0800 138 5856 for free. Or send us an email, we guarantee to respond to all enquiries within 24 hours.

Get In Touch

To get more help call the gang on 0800 138 5856 for free. Or send us an email, we guarantee to respond to all enquiries within 24 hours.