{"id":4713,"date":"2022-05-19T16:13:07","date_gmt":"2022-05-19T16:13:07","guid":{"rendered":"https:\/\/www.houz.co.uk\/?page_id=4713"},"modified":"2024-02-19T10:35:13","modified_gmt":"2024-02-19T10:35:13","slug":"credit-score","status":"publish","type":"page","link":"https:\/\/www.houz.co.uk\/credit-score\/","title":{"rendered":"Credit Score"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4713\" class=\"elementor elementor-4713\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a8cf586 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a8cf586\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3285545\" data-id=\"3285545\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-74a0977 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74a0977\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div data-custom-animations=\"true\" data-ca-options=\"{&quot;addChildTimelines&quot;:false,&quot;animationTarget&quot;:&quot;:scope &gt; .elementor-widget-wrap &gt; .elementor-element &gt; .elementor-widget-container, :scope &gt; .elementor-widget-wrap &gt; .elementor-section &gt; .elementor-container &gt; .elementor-column &gt; .elementor-widget-wrap &gt; .elementor-element:not(.lqd-el-has-inner-anim) &gt; .elementor-widget-container, :scope &gt; .elementor-widget-wrap &gt; .elementor-widget-hub_fancy_heading .lqd-split-lines .lqd-lines .split-inner, :scope &gt; .elementor-widget-wrap &gt; .elementor-widget-hub_fancy_heading .lqd-split-words .lqd-words .split-inner, :scope &gt; .elementor-widget-wrap &gt; .elementor-widget-hub_fancy_heading .lqd-split-chars .lqd-chars .split-inner, :scope &gt; .elementor-widget-wrap &gt; .elementor-widget-ld_custom_menu .lqd-fancy-menu &gt; ul &gt; li&quot;,&quot;ease&quot;:[&quot;power4.out&quot;],&quot;initValues&quot;:{&quot;opacity&quot;:0,&quot;x&quot;:-150},&quot;animations&quot;:{&quot;opacity&quot;:1,&quot;x&quot;:0}}\" class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-469a854\" data-id=\"469a854\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49a6dec elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"49a6dec\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353ab4b7c\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<h1 class=\"ld-fh-element d-inline-block pos-rel  elementor-heading-title lqd-highlight-classic lqd-highlight-grow-left h1\"  > Credit score<\/h1>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e87bd5 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"5e87bd5\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353ab56cf\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<p class=\"ld-fh-element d-inline-block pos-rel  lqd-highlight-classic lqd-highlight-grow-left p\"  > Do you know your credit score? Is it important? And even when you know it, what does it really mean?<\/p>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9b74fb0\" data-id=\"9b74fb0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-custom-animations=\"true\" data-ca-options=\"{&quot;addChildTimelines&quot;:false,&quot;animationTarget&quot;:&quot;:scope &gt; .elementor-container &gt; .elementor-column&quot;,&quot;ease&quot;:[&quot;power4.out&quot;],&quot;initValues&quot;:{&quot;opacity&quot;:0,&quot;y&quot;:150},&quot;animations&quot;:{&quot;opacity&quot;:1,&quot;y&quot;:0}}\" class=\"elementor-section elementor-top-section elementor-element elementor-element-dad70be elementor-section-height-min-height elementor-section-items-top elementor-section-boxed elementor-section-height-default\" data-id=\"dad70be\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-729a231\" data-id=\"729a231\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-de8c714 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"de8c714\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353ab7252\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<h2 class=\"ld-fh-element d-inline-block pos-rel  elementor-heading-title lqd-highlight-classic lqd-highlight-grow-left h2\"  > What Matters?<\/h2>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-712f27d elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"712f27d\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353ab7894\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<p class=\"ld-fh-element d-inline-block pos-rel  lqd-highlight-classic lqd-highlight-grow-left p\"  > We are asked about credit scores by most clients - and the answer isn\u2019t always easy! Lenders have their own internal scoring systems, and they also use independent credit reference agencies of which there are 3 main ones in the UK.<\/p>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0a2259 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"b0a2259\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353ab8000\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<p class=\"ld-fh-element d-inline-block pos-rel  lqd-highlight-classic lqd-highlight-grow-left p\"  > It isn\u2019t always clear which lenders use which agencies, or if they use multiple, and it\u2019s rarely made public (even to brokers) what scores they want to see.<\/p>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f0613b1\" data-id=\"f0613b1\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bbe2193 elementor-widget elementor-widget-ld_accordion\" data-id=\"6bbe2193\" data-element_type=\"widget\" data-widget_type=\"ld_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"accordion accordion-title-bordered accordion-lg accordion-side-spacing accordion-title-bg-transparent accordion-title-round accordion-body-shadow accordion-active-has-shadow accordion-active-has-fill\" id=\"accordion-6627353aba421\" role=\"tablist\" aria-multiselectable=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-1801\">\n\t\t\t\t<h4 class=\"accordion-title  tabindex=\"-1\">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-bs-toggle=\"collapse\"\n                    tabindex=\"0\"\n\t\t\t\t\tdata-parent=\"#accordion-6627353aba421\" data-bs-parent=\"#accordion-6627353aba421\" href=\"#collapse-1801\" data-target=\"#collapse-1801\" data-bs-target=\"#collapse-1801\"\n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-1801\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">Address<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\n\t\t\t\t<div id=\"collapse-1801\" class=\"accordion-collapse collapse \" data-bs-parent=\"#accordion-6627353aba421\" role=\"tabpanel\" aria-labelledby=\"heading-1801\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>How long you have been at your current address is a factor, along with whether or not you are on the electoral roll there. Typically, we need to know between 3 and 6 years address history.<\/p>\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-1802\">\n\t\t\t\t<h4 class=\"accordion-title  tabindex=\"-1\">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-bs-toggle=\"collapse\"\n                    tabindex=\"0\"\n\t\t\t\t\tdata-parent=\"#accordion-6627353aba421\" data-bs-parent=\"#accordion-6627353aba421\" href=\"#collapse-1802\" data-target=\"#collapse-1802\" data-bs-target=\"#collapse-1802\"\n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-1802\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">Financial Commitments<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\n\t\t\t\t<div id=\"collapse-1802\" class=\"accordion-collapse collapse \" data-bs-parent=\"#accordion-6627353aba421\" role=\"tabpanel\" aria-labelledby=\"heading-1802\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>What do you have and how have your payments been? If you\u2019ve paid everything on time as agreed with your creditors, this should help keep your score high!<\/p>\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-1803\">\n\t\t\t\t<h4 class=\"accordion-title  tabindex=\"-1\">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-bs-toggle=\"collapse\"\n                    tabindex=\"0\"\n\t\t\t\t\tdata-parent=\"#accordion-6627353aba421\" data-bs-parent=\"#accordion-6627353aba421\" href=\"#collapse-1803\" data-target=\"#collapse-1803\" data-bs-target=\"#collapse-1803\"\n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-1803\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">Use of credit<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\n\t\t\t\t<div id=\"collapse-1803\" class=\"accordion-collapse collapse \" data-bs-parent=\"#accordion-6627353aba421\" role=\"tabpanel\" aria-labelledby=\"heading-1803\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>Credit card limits, and these days things like PayPal Credit and Klarna, all have an impact. Staying well below your limits on these types of thing, and not using too many of them at once, can help keep your score looking healthy.<\/p>\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-1804\">\n\t\t\t\t<h4 class=\"accordion-title  tabindex=\"-1\">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-bs-toggle=\"collapse\"\n                    tabindex=\"0\"\n\t\t\t\t\tdata-parent=\"#accordion-6627353aba421\" data-bs-parent=\"#accordion-6627353aba421\" href=\"#collapse-1804\" data-target=\"#collapse-1804\" data-bs-target=\"#collapse-1804\"\n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-1804\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">When things go wrong<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\n\t\t\t\t<div id=\"collapse-1804\" class=\"accordion-collapse collapse \" data-bs-parent=\"#accordion-6627353aba421\" role=\"tabpanel\" aria-labelledby=\"heading-1804\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\tMissed payments are the first step, but these can lead to defaults, arrangements, county court judgements and even bankruptcy. If you have any of these, it\u2019s important for us to know up front so we can ensure we find the right lender who would accept your situation.\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-custom-animations=\"true\" data-ca-options=\"{&quot;addChildTimelines&quot;:false,&quot;animationTarget&quot;:&quot;:scope &gt; .elementor-container &gt; .elementor-column&quot;,&quot;ease&quot;:[&quot;power4.out&quot;],&quot;initValues&quot;:{&quot;opacity&quot;:0,&quot;y&quot;:150},&quot;animations&quot;:{&quot;opacity&quot;:1,&quot;y&quot;:0}}\" class=\"elementor-section elementor-top-section elementor-element elementor-element-7705e05 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7705e05\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-372a078\" data-id=\"372a078\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2d50ef elementor-widget elementor-widget-spacer\" data-id=\"f2d50ef\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 18-04-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d0902b4\" data-id=\"d0902b4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-90ad026 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"90ad026\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353abc30d\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<h2 class=\"ld-fh-element d-inline-block pos-rel  elementor-heading-title lqd-highlight-classic lqd-highlight-grow-left h2\"  > Get Your Report<\/h2>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60d2f84 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"60d2f84\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353abca79\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<p class=\"ld-fh-element d-inline-block pos-rel  lqd-highlight-classic lqd-highlight-grow-left p\"  > We work with Checkmyfile.com to give you a <b>30-day free trial<\/b> of accessing your credit report - this is the only credit report that checks data from Equifax, Experian and Transunion.<\/p>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62eddcb elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"62eddcb\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353abd121\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<p class=\"ld-fh-element d-inline-block pos-rel  lqd-highlight-classic lqd-highlight-grow-left p\"  > Looking at your own report doesn\u2019t count as a search, so you can do this without impacting your score and you can generate a PDF version to share with us in order to help you. It\u2019s also good for you to know exactly where you stand.<\/p>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b946f26 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"b946f26\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353abd7e0\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<p class=\"ld-fh-element d-inline-block pos-rel  lqd-highlight-classic lqd-highlight-grow-left p\"  > If you do not cancel your free trial, you will be charged \u00a314.99 a month, but you can cancel any time.<\/p>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bc604b elementor-widget elementor-widget-ld_button\" data-id=\"2bc604b\" data-element_type=\"widget\" data-widget_type=\"ld_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t\t<a\n\t\t\t\thref=\"https:\/\/www.checkmyfile.partners\/47L99KF\/2CTPL\/\" target=\"_blank\"class=\"elementor-button btn btn-underlined border-thicker btn-icon-shaped btn-has-label\"\t\t\t>\n\t\t\t\t\t\t\t\t\t<span data-text=\"See your multi-agency credit report*\" class=\"btn-txt\">\n\t\t\t\t\t\tSee your multi-agency credit report*\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a09a1b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a09a1b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ab59615\" data-id=\"ab59615\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-970934c elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"970934c\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353ac13ee\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<p class=\"ld-fh-element d-inline-block pos-rel  lqd-highlight-classic lqd-highlight-grow-left p\"  > *By clicking the link you will need to register your details with Checkmyfile and enter in to a free 30-day trial period. This will allow enough time for you to register your information and download your report. You are free to cancel this trial period at any time during the 30-day free trial period without penalty. Should you fail or choose not to do so, Checkmyfile will charge you a subscription fee of \u00a314.99 per month thereafter. <br><br>\nHouz Mortgages Ltd will receive a payment of \u00a312 per free trial entered into via the link to Checkymyfile\u2019s website. This is payable whether you cancel the trial period or not. <br><br>\nIt should be noted that lenders will not be assessing the report produced from Checkmyfile and will undertake their own research and assessment.<\/p>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-66ba99d elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"66ba99d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b4725f4\" data-id=\"b4725f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ea575b elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"0ea575b\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353ac2bae\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<h2 class=\"ld-fh-element d-inline-block pos-rel  elementor-heading-title lqd-highlight-classic lqd-highlight-grow-left h2\"  > What people say<\/h2>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d9b486c\" data-id=\"d9b486c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-566fd30 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"566fd30\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353ac3937\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<p class=\"ld-fh-element d-inline-block pos-rel  lqd-highlight-classic lqd-highlight-grow-left p\"  > This is what people have had to say about using Houz Mortgages\u2026<\/p>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-683e5dc\" data-id=\"683e5dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fba8e18 elementor-widget elementor-widget-spacer\" data-id=\"fba8e18\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a51e3a6\" data-id=\"a51e3a6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd82a94 elementor-widget elementor-widget-image\" data-id=\"fd82a94\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 18-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1536\" src=\"https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash.jpg\" class=\"attachment-full size-full wp-image-4988\" alt=\"\" srcset=\"https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash.jpg 1024w, https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash-200x300.jpg 200w, https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash-683x1024.jpg 683w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2e1aeee\" data-id=\"2e1aeee\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a77ee4e elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"a77ee4e\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-6627353ac731a\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<h3 class=\"ld-fh-element d-inline-block pos-rel  elementor-heading-title lqd-highlight-classic lqd-highlight-grow-left h3\"  > Testimonials<\/h3>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5526e4 elementor-widget elementor-widget-html\" data-id=\"d5526e4\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<pre class=\"ti-widget\"><div class=\"ti-widget ti-goog\" data-no-translation=\"true\" data-layout-id=\"15\" data-set-id=\"light-background-large\" data-pid=\"\" data-pager-autoplay-timeout=\"6\" data-review-target-width=\"300\" data-language=\"en\" > <div class=\"ti-widget-container ti-col-3\"> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\"><\/div> <div class=\"ti-prev\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\">  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->I happened upon Houz by accident when undertaking research and I'm so glad I did. Ben has been an immense source of knowledge, guidance and support throughout the process of purchasing my first home. Even with things that were outside of his role, he was still willing to help answer questions about anything I didn't understand. Ben made sure I got the best rate possible, and updated this when the rate dropped - to make sure I got the best deal. I cannot praise and thank Ben enough for all of his support through this process and I would highly recommend Houz Mortgages to anyone who is needing mortgage services.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocI2p67bMwguMzFpK-qESrnu5m-7OS9fkYHWwS8dMlng=s120-c-rp-mo-br100\" alt=\"Leah Evans\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Leah Evans <\/div> <div class=\"ti-date\">10. November, 2023.<\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->Ben was great, super helpful and friendly. Arranged a mortgage which met our needs.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXEhCwc7Ot26ZsmDsv0vd58L9iQDvRxPshe0668YUos2g=s120-c-rp-mo-br100\" alt=\"dave stevens\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> dave stevens <\/div> <div class=\"ti-date\">8. October, 2023.<\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->Excellent service. Extremely useful, friendly and approachable. Professional and supportive throughout the whole process of getting a mortgage, home insurance and life insurance. Ben has been amazing! Would recommend to any looking for mortgage and insurance advice.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocImMDv1SvqM8ENNhx-GLZZxnloPSM4txc9OMwzTcBmf=s120-c-rp-mo-br100\" alt=\"J Mayes\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> J Mayes <\/div> <div class=\"ti-date\">30. August, 2023.<\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->How easy was that? Thanks Ben!\nAt a time of unprecedented turbulence in the mortgage lending world, Ben calmly steered us through our re-mortgage, and took away all the stress and hassle.\nBen took his time to understand exactly what we needed out of the process, and quickly found us an excellent product that matched our needs. Working quickly, he then secured us a great offer, before the rates crept up again.\nBen's extremely knowledgable, and knows the sector inside out. He's also a bloomin' nice chap.\nI have absolutely no hesitation whatsoever in recommending Ben if you're looking to work with an honest, hard-working and knowledgable mortgage expert.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIABXXXHLJmKnTotiv4ue_lw6uwb00APmC-_uX5TlYE=s120-c-rp-mo-br100\" alt=\"Rob Johnson\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Rob Johnson <\/div> <div class=\"ti-date\">4. August, 2023.<\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->After doing some exhaustive mortgage hunting, I decided to reach out to a broker. Houz Mortgages caught my eye as a local broker with a solid reputation and no fees, and I'm very glad I went with them! They went above and beyond to not only find a suitable deal for me, but to keep me informed, help me make a decision when I found myself limited by my choice of solicitor, and even help get completion done in time by reaching out to my lender.\n\nThey were available through WhatsApp every step of the way and they most certainly made the past few months a lot less stressful than they would have been had I dealt with it all myself. Thank you!<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjXgn5SNZVJMGbb0Fevi9HIOMmZKFTHXdnmxyO9yo_L3RD8=s120-c-rp-mo-br100\" alt=\"Rick (Riari) Mann\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Rick (Riari) Mann <\/div> <div class=\"ti-date\">3. August, 2023.<\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->Excellent service, works for the client, gets best deal on the table, explains process thoroughly, highly reccomend, will be using again for further needs and help<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocKoUGUeyuQFpJMk5EWWJQP2pFE-lThN3VVIJIrsby6E=s120-c-rp-mo-br100\" alt=\"Steve Podesta\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Steve Podesta <\/div> <div class=\"ti-date\">25. July, 2023.<\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->As first time buyers we struggled at first to get our heads around the mortgage process. Ben was a huge help in aiding us in applying and getting our mortgage. He found us the best rate and was always on hand to help. Any time of the day, he would respond to queries and support with any issues we had, from first applying for our mortgage to eventually us being days away from getting our keys, putting us at ease and making the process simple and easy. If you are in need for a professional mortgage broker then give them a call. Thank you<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocI_mfjxObBQ1TyxDhCXp-3bKuVTxyFR7BiV0OsoYJly=s120-c-rp-mo-br100\" alt=\"Joe Glover\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Joe Glover <\/div> <div class=\"ti-date\">19. July, 2023.<\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->Ben helped us with our mortgage and made the whole process very easy. He is very responsive and knowledgeable, made us feel very informed and at ease. Look no further for a professional mortgage broker. Thank you!<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLOLJZwxPIw8Of_hjmMySRZP1a9NWPjMTm7we4rw-g_Cw=s120-c-rp-mo-br100\" alt=\"Rebecca Collingridge\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Rebecca Collingridge <\/div> <div class=\"ti-date\">12. June, 2023.<\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->Ben was really helpful and gave us the best advice into which rates and mortgage suited us. Furthermore going above and beyond to find out additional information or point us in the right direction for more information. Also informing us throughout of the application of better rates and continuous communication to keep us informed. Thanks Ben for all your help<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocLtAkiSywgUTStN7YPsuWGo25PQbtXtiH-1eTxT4JU9=s120-c-rp-mo-br100\" alt=\"Sonal Patel\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Sonal Patel <\/div> <div class=\"ti-date\">15. May, 2023.<\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" class=\"ti-review-item source-Google\" > <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><span class=\"ti-star f\"><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->I had a fantastic experience with Houz mortgages buying my first home. Ben helped me get the best deal available and was always available to talk to if I was unsure about anything. Il will absolutely be remortgaging with them when the time comes. 10\/10<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIyu9c-pS8j7l3m9zqBG_pY7eLPi5jlK_CTsLKvEoPG=s120-c-rp-mo-br100\" alt=\"Ben Rayton\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Ben Rayton <\/div> <div class=\"ti-date\">29. March, 2023.<\/div> <\/div> <\/div> <\/div>  <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div> <div class=\"ti-footer\"> <div class=\"ti-rating-text\"> <span class=\"nowrap\"><strong>Google<\/strong> rating score: <\/span><span class=\"nowrap\"><strong>5.0<\/strong> of 5, <\/span><span class=\"nowrap\">based on <strong>32 reviews<\/strong><\/span> <\/div> <\/div>  <\/div> <\/div> <\/pre>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Credit score Do you know your credit score? Is it important? And even when you know it, what does it really mean? What Matters? We are asked about credit scores by most clients &#8211; and the answer isn\u2019t always easy! Lenders have their own internal scoring systems, and they also use independent credit reference agencies [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Score - Houz Mortgages<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.houz.co.uk\/credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Score - Houz Mortgages\" \/>\n<meta property=\"og:description\" content=\"Credit score Do you know your credit score? Is it important? And even when you know it, what does it really mean? What Matters? We are asked about credit scores by most clients &#8211; and the answer isn\u2019t always easy! Lenders have their own internal scoring systems, and they also use independent credit reference agencies [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.houz.co.uk\/credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"Houz Mortgages\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-19T10:35:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.houz.co.uk\/credit-score\/\",\"url\":\"https:\/\/www.houz.co.uk\/credit-score\/\",\"name\":\"Credit Score - Houz Mortgages\",\"isPartOf\":{\"@id\":\"https:\/\/www.houz.co.uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.houz.co.uk\/credit-score\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.houz.co.uk\/credit-score\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash.jpg\",\"datePublished\":\"2022-05-19T16:13:07+00:00\",\"dateModified\":\"2024-02-19T10:35:13+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.houz.co.uk\/credit-score\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.houz.co.uk\/credit-score\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.houz.co.uk\/credit-score\/#primaryimage\",\"url\":\"https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash.jpg\",\"contentUrl\":\"https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash.jpg\",\"width\":1024,\"height\":1536},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.houz.co.uk\/credit-score\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.houz.co.uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit Score\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.houz.co.uk\/#website\",\"url\":\"https:\/\/www.houz.co.uk\/\",\"name\":\"Houz Mortgages\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.houz.co.uk\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-GB\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Credit Score - Houz Mortgages","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.houz.co.uk\/credit-score\/","og_locale":"en_GB","og_type":"article","og_title":"Credit Score - Houz Mortgages","og_description":"Credit score Do you know your credit score? Is it important? And even when you know it, what does it really mean? What Matters? We are asked about credit scores by most clients &#8211; and the answer isn\u2019t always easy! Lenders have their own internal scoring systems, and they also use independent credit reference agencies [&hellip;]","og_url":"https:\/\/www.houz.co.uk\/credit-score\/","og_site_name":"Houz Mortgages","article_modified_time":"2024-02-19T10:35:13+00:00","og_image":[{"url":"https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash.jpg"}],"twitter_card":"summary_large_image","twitter_misc":{"Estimated reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.houz.co.uk\/credit-score\/","url":"https:\/\/www.houz.co.uk\/credit-score\/","name":"Credit Score - Houz Mortgages","isPartOf":{"@id":"https:\/\/www.houz.co.uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.houz.co.uk\/credit-score\/#primaryimage"},"image":{"@id":"https:\/\/www.houz.co.uk\/credit-score\/#primaryimage"},"thumbnailUrl":"https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash.jpg","datePublished":"2022-05-19T16:13:07+00:00","dateModified":"2024-02-19T10:35:13+00:00","breadcrumb":{"@id":"https:\/\/www.houz.co.uk\/credit-score\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.houz.co.uk\/credit-score\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.houz.co.uk\/credit-score\/#primaryimage","url":"https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash.jpg","contentUrl":"https:\/\/www.houz.co.uk\/wp-content\/uploads\/2022\/05\/ben-weber-osPsRNOZwIA-unsplash.jpg","width":1024,"height":1536},{"@type":"BreadcrumbList","@id":"https:\/\/www.houz.co.uk\/credit-score\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.houz.co.uk\/"},{"@type":"ListItem","position":2,"name":"Credit Score"}]},{"@type":"WebSite","@id":"https:\/\/www.houz.co.uk\/#website","url":"https:\/\/www.houz.co.uk\/","name":"Houz Mortgages","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.houz.co.uk\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-GB"}]}},"_links":{"self":[{"href":"https:\/\/www.houz.co.uk\/wp-json\/wp\/v2\/pages\/4713"}],"collection":[{"href":"https:\/\/www.houz.co.uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.houz.co.uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.houz.co.uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.houz.co.uk\/wp-json\/wp\/v2\/comments?post=4713"}],"version-history":[{"count":21,"href":"https:\/\/www.houz.co.uk\/wp-json\/wp\/v2\/pages\/4713\/revisions"}],"predecessor-version":[{"id":6041,"href":"https:\/\/www.houz.co.uk\/wp-json\/wp\/v2\/pages\/4713\/revisions\/6041"}],"wp:attachment":[{"href":"https:\/\/www.houz.co.uk\/wp-json\/wp\/v2\/media?parent=4713"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}