Income Insurance - Quote

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Excellent advise has been offered. The agent has been very prompt in calling back and replying all my questions promptly.

Bhaskar
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Received a call very shortly after my online enquiry. My contact was extremely helpful and helped me purchase exactly the right policy. I would have no hesitation in recommending there services.

William Cochrane
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Prompt and friendly service. Easy to use, great quotation and prompt response. Friendly advisor, would highly recommend, thanks!

Noel Anderson
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Brilliant! John garcia very helpful found me the best deal and then even rang me a week later and told me he had found an even cheaper deal which suited me always returned my calls and answered all my questions.

Danny Llewellyn
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Adverse Credit?


What if you have ccj's, or have been bankrupt etc..

If you have or think you may have adverse credit i.e. CCJ's, defaults, bankruptcy, mortgage or loan arrears etc.. and you are considering purchasing or re-mortgaging your property, it is advisable to get all the information on your circumstances. As this will provide access to more lenders who could consider your particular case. Each time you make an application or agreement in principle with a lender that completes a credit check, will leave a footprint of the search on your credit file. This can in certain cases reduce your credit score if you are shopping around trying to get a mortgage with loads of different lenders. We can on your behalf complete a credit check for you and get an instant response and then give you details on your mortgage options or you can obtain a copy of your credit report by writing a letter with:-

  • Your full name, including title, forename, middle name and surname (and maiden name if appropriate).

  • Any other name you have been known by.
    Your date of birth.

  • Your current address, including house number/name, street name, district, post town and postcode.

  • Any previous addresses lived at during the last 6 years. List each address separately including house number/name, street name, district, post town and postcode.

  • You will need to enclose a £2 cheque or postal order payable to the particular credit reference company.

The three main credit companies that hold your files are:-

Experian Ltd
PO BOX 7710
Nottingham
NG80 7WE

Telephone: 0800 656 000
www.experian.co.uk

Equifax
Credit File Advice Canter
PO Box 1140
Bradford
BD1 5US

Telephone: 08705-143700
www.equifax.co.uk

Callcredit
One Park Lane
Leeds
West Yorkshire
LS3 1EP

Telephone: 0113 388 4300
www.callcredit.co.uk

However you can obtain the information from all three credit reference agencies online by using the service of Checkmyfile www.checkmyfile.com

If you cannot wait to obtain your file don't panic there are lenders who you can apply for a mortgage with now that can accept you whatever your circumstances and will adjust the rate they charge depending on what shows up on the credit checks the lender completes. If you need further information or help just contact us we are here to help. Alternatively complete our callback form and we search the whole mortgage market to find the best mortgage for you!

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