Gain instant online access to your Credit Report

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

Get my credit report

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 are some personal details and answer some security verification questions.

How much does my credit report cost?

With UK Credit Ratings you get a 14 day free trial to use the service. If you decide you no longer need it, you can cancel without any charge during the trial period. If you choose to continue with your account the monthly subscription fee is £19.95.

How long does my credit score last?

With UK Credit Ratings you credit score is updated daily 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 can we help you?

So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert 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 &
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