Refused First Direct acct

Tangel

For some reason I was refused First Direct bank account. Can't see why apart from fact we moved twice in two years. We are going to be applying for small mortgage I about eighteen months time, well this affect it

Thrugelmir

Why are you moving from your current banker(s) ?

grumbler

Tangel wrote: »

...well this affect it

Is this a question?
If so, the refusal itself will not affect your mortgage application. However the same factors that caused the refusal may affect.

Buzby

Irrespective of your credit file you may not fit their profile - they refused to take me and there was nothing wrong with my file. Look upon it as a blessing in disguise!

jamesd

If you'd go for their offset mortgage not being able to get the current account should block the application. The offset facility requires the presence of the current account. No current account, no way to take money out of the offset savings account, since it can only withdraw to that account, so they couldn't offer that offset savings account either.

However, opening in conjunction with a mortgage application may be accepted anyway.

Archi_Bald

Have you checked your credit file?