We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Joint mortgage only one credit check?
Options
Bouncybubbles
Posts: 241 Forumite
Hi all
We have had our mortgage offer for over 5 weeks now. However looking back I haven't had a credit check?!?! We only had to send in payslips, P60 and ID. My partner has got several showing on his from the bank. However mine has none at all! Not even at AIP stage? Is this right? I know I'm being daft but can't understand it. Also I apied for a small increase on my credit card and it was declined straight away??? Is this due to credit checks not showing yet? As the CC limit check is on there now! I'm so confused
We have had our mortgage offer for over 5 weeks now. However looking back I haven't had a credit check?!?! We only had to send in payslips, P60 and ID. My partner has got several showing on his from the bank. However mine has none at all! Not even at AIP stage? Is this right? I know I'm being daft but can't understand it. Also I apied for a small increase on my credit card and it was declined straight away??? Is this due to credit checks not showing yet? As the CC limit check is on there now! I'm so confused
Love my DMP left to pay £0/ £10162.51 :beer:
Est DFD 11/2018
Actual DFD 09/2017
£2 savers club: number 88 £14 so far!
Wombling free number 41 £6 so far!!
Emergency fund £50/£1000
Est DFD 11/2018
Actual DFD 09/2017
£2 savers club: number 88 £14 so far!
Wombling free number 41 £6 so far!!
Emergency fund £50/£1000
0
Comments
-
There's another thread regarding this floating about somewhere. What lender you with? X:beer:0
-
Hi thanks for your reply
it's with santander via a broker. I'm not overly concerned to be honest as we have the offer. But I'm just curious why a CC increase was declined as if the searches are there (I know recent searches detremental in short time period). Love my DMP left to pay £0/ £10162.51 :beer:
Est DFD 11/2018
Actual DFD 09/2017
£2 savers club: number 88 £14 so far!
Wombling free number 41 £6 so far!!
Emergency fund £50/£10000
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.9K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards