Moving home rented to own, cc - apply now or after move?

lochetive

Hello there,

I am moving from a rented property that I have lived in for 2 years to a much bigger property with a substantial mortgage in 2 weeks time. I plan to apply for a credit card (M & S) to help me stooze on an offset mortgage. Would I be better applying before or after the move to get a higher credit availability level on the new card? Any help gratefully received.

LE

paulmcerlean

Before. Longer at current address the higher you will score.

CLAPTON

I would do nothing that might affect the mortgage until they have actually paid out

lochetive

Thanks for your help - much appreciated.

stormCat99

Definitely before. You won't be on the electroral role immediately at your new place.

We knew we wanted a 0% card (so we could offset the money against the mortgage), so I applied literally the night before we moved house.

Mail was all redirected so that wasn't an issue. I could apply providing the truthful information at the time, then subsequently change my address to the new one after moving.