Query re switching mortgage

Esme2014

Hi

My 2 yr fixed mortgage is ending soon and i want to switch to a different fixed deal when it ends with the same mortgage company(nationwide) for the remaining amount. When I applied for my current mortgage I had no outstanding debts but due to circumstances in the past 2 years I now have a loan and a credit card balance. When i've looked online it says that to switch they do not do a credit check. Is this the case? I am worried that I may be refused the switch based on the loan/CC. I have never missed a payment on my mortgage or any of my other debts. What would happen if they refused to switch my deal? would I have trouble getting another mortgage? I have a 70%LTV currently and 2 years ago was my first mortgage.
Any help appreciated

Thrugelmir

Switching products requires no credit check as you are not changing the mortgage. Only issue that may arise is if LTV is questioned for new product being applied for.

Let_Us_See

Thrugelmir wrote: »

Switching products requires no credit check as you are not changing the mortgage.

Surely, changing mortgage, but not lender?

I assume you believe you will not meet the lender's affordability model now you have additional financial commitments? You should be OK with Nationwide, but there is no 100% guarantee. Good luck.