Getting Credit After Offer/Before Completion?

nobodysdriving

ACG wrote: »

They do check it, they just dont credit score. Its good old manual underwriting where a person makes a decision rather than a computer.

If you want your credit card I would just keep it. The search has been done.

thanks

I like the sound of 'good old manual underwriting where a person makes a decision rather than a computer'

I am sure I will get the mortgage now as looking at my person and my file through the lender's eyes I am sure I will be seen as a good person to lend to

oh well, we shall see

wrkactjob

OK I rang Skipton and they said it wouldn't make a difference to any affordability calculation.

nobodysdriving

wrkactjob wrote: »

OK I rang Skipton and they said it wouldn't make a difference to any affordability calculation.

well, if the mortgage lender says to you it won't be a problem then 'party on'

nobodysdriving

ACG wrote: »

Kent reliance do manual checks, they dont credit score. I would be very surprised if they had a problem with it.

What a kents turnaround times like at the minute? A few months ago it was over a week every time we sent something in.

ACG today Kent reliance gave me a DIP, I could not answer the phone due to work so I have to instruct valuation on monday.

so it took them from Monday to Friday to decide