01244 950 304

Free credit report from noddle

Applying for a mortgage that’s right for your credit score is essential to improve your chances of being accepted

Get my free credit report Find out more

How can we help you?

SoSmart Money are specialists when it comes to mortgage and insurance advice. Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable leader and product for your needs.

Speak to one of our experts for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

trust pilot

"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"

"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."

"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."

"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."


Winner of AI Finance awards 2015 for:
Best personal finance comparison site &
Best online price comparison platform

Our trusted brands

view more
m&s.gif CNW.gif plusnet.jpg BME.gif sky.jpg NAP.gif zopa.jpg
americanexpress.jpg BBV.gif ACC.gif TSB.gif TIP.gif BPR.gif BBS.gif FAM.gif BSA.gif chorley_building_society.jpg MET.gif RBS.gif aqua.jpg healthonline.jpg fidelity.gif ULS.gif bt.jpg NAP.gif amigo.gif WBB.gif fundingcircle.gif capitalone.gif TBS.gif NBS.gif virgin.gif CAN.gif BOI.gif uk-general.jpg HSB.gif plusnet.jpg BLF.gif BCH.gif vanquis.jpg BME.gif YOR.gif bath_building_society.jpg tesco.jpg securetrust.gif BHX.gif axa.jpg CAM.gif clydesdale_bank.jpg sse.jpg o2.jpg eon.gif YBS.gif progressive_building_society.jpg scottish_building_society.jpg BNW.gif BFU.gif BNR.gif market_harborough_building_society.jpg CTS.gif scottish_power.jpg LEE.gif BAA.gif BDA.gif carloans4u.jpg HEC.gif ageas.jpg SBS.gif sky.jpg CNW.gif zopa.jpg sainsburys.gif saga.jpg FID.gif npower.gif BWO.gif ipswich_building_society.jpg BNC.gif aegon.gif BHI.gif BLH.gif fluid.jpg VBS.gif the_mansfield_building_society.jpg TCO.gif CTE.gif ovo_energy.jpg BNT.gif lv.gif m&s.gif barclaycard.gif BMO.gif CLY.gif rsa.jpg POS.gif

How it works

step 1 step 2 step 3

Applying for a mortgage that you’re likely to be accepted for is vital.  Getting declined for a mortgage leaves a footprint on your credit score and the more of these you have, the less desirable you are to potential lenders; after all if 2 or 3 other lenders have declined your application, this may make you look more of a risk.

Armed with your credit score, our advisers can assess which products are going to be the most suitable for you.  Meaning you’re more likely to be accepted and at the best rates available to you and your circumstances.

How long does it take to get my credit score?

Signing up is easy and takes just a few minutes.  All you need to provide is at least 3 years of address history and some personal details to help identify you.

How much does my credit report cost?

Getting your credit report through Noddle is completely free for life.  You will need to provide them with your bank details when you register, this is just so Noddle can confirm who you are; they will never take a penny from you, your credit report with Noddle will always be completely free, no hidden charges or catches.

How long does my credit score last?

With Noddle you credit score is updated every month and the information stored will be available to mortgage providers reviewing your history and considering lending to you.  This means it’s vital to keep up with current mortgage repayments, credit and store cards, loans and any other credit arrangements you have entered in to.

How can I improve my credit score?

In order to have a good credit score you should keep up your regular/minimum monthly payments on all your credit agreements.  For example a missed or late payment on a credit card will be visible to other lenders and may not be seen in a favourable light.  This doesn’t mean that the odd late payment on a credit card 12 months ago will scupper your chances of getting a mortgage, but it might mean that some products will be more difficult to get accepted for.  To understand what you’re likely to be accepted for, before applying and having multiple applications on your report; speak to a specialist mortgage adviser who will be able to advise you of the mortgage rates and lenders that are most suitable to you.

Will I be accepted for a mortgage?

Until we have spoken to you in detail and reviewed your credit score, we can never say for certain.  We do however commit to searching the marketing for a suitable product for you, regardless of your credit history, and will provide you as much guidance and support as we can throughout the whole application process.

  • How do SoSmart Money make their money?
  • Which products can I compare with SoSmart Money?
  • Who are SoSmart Money?
  • What lenders do you compare?
  • Will I be contacted by other companies?

latest news View All News

Sign up to our newsletter