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credit check before mortgage

nigel4321
Posts: 3 Newbie
Hello everyone,
We are about to apply for a mortgage. We had an agreement in principle.
I thought to check my credit rating online, however it seems you need to have the past 6 years of addresses in the UK
We have only been in the UK for 2 years.
Would this be a problem ?
We are about to apply for a mortgage. We had an agreement in principle.
I thought to check my credit rating online, however it seems you need to have the past 6 years of addresses in the UK
We have only been in the UK for 2 years.
Would this be a problem ?
0
Comments
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Almost definitely yes...
Depends upon a truck load of other variables, but will be a big hurdle.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
I've checked my credit record with Equifax within 2 months of arriving in the UK (I had to send them proof of address though, but it was fairly easy because I only had to scan the documents). At the time Experian wanted me to post them proof of address, so I skipped. A year later, I checked it with them, no problem. You're not the first people to want to check your credit record shortly after arriving here0
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Thanks for the responses
@Dave Ham
Can you expand a bit on your response ?0 -
Firstly, it will not be an issue achieving your credit files as Mulder was commenting on, but the securing of your mortgage. A few considerations listed below:
- Deposit vs Purchase Price (Loan to Value)
- Existing Banking Relationship
- Current UK Credit commitments
- Whether in UK as a UK citizen or EU Citizen or on a Visa and in which case which type and how long remaining makes a huge difference.
That is not long to advance a large amount of money, albeit secured on a property.
Hope this helpsI am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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