Check Your Credit Score — Free

Your credit score is one of the first things lenders look at. Knowing yours before you start the mortgage process puts you in a stronger position — no surprises, no delays.

Borrowell gives you your Equifax credit score for free — updated weekly. No credit card required, no trial period, no catch. Signing up takes about 2 minutes and does not affect your credit score (it's a "soft" check).

What you'll see: Your Equifax credit score, your credit report summary, factors affecting your score, and tips for improvement. You'll also get weekly updates so you can track your progress over time.

Why Your Credit Score Matters for a Mortgage

What Lenders Actually Do With Your Score

Your credit score isn't the whole picture — but it's the first filter. Here's what lenders are actually looking at beyond the number:

Payment history — Have you paid your bills on time? Late payments, collections, and consumer proposals hit hardest.

Credit utilisation — How much of your available credit are you using? Under 35% is ideal. Maxed-out cards are a red flag even with a decent score.

Credit history length — Longer is better. Lenders like seeing years of responsible borrowing, not brand-new accounts.

Credit mix — A combination of revolving credit (credit cards) and instalment loans (car payments) shows you can manage different types of debt.

Not Sure What Your Score Means?

Check your score with Borrowell, then call me. I'll tell you exactly where you stand, which lenders will work with your profile, and what to do if your score needs improvement before you apply.

Disclosure: The Borrowell link on this page is a referral link. If you sign up through it, I may earn a small referral fee at no extra cost to you. I only recommend tools I use and trust myself. Checking your score through Borrowell is completely free, uses a soft credit check that does not impact your score, and you can cancel anytime.