Credit Searches Affect on Mortgage Application

MrDebtWarrior

I will be applying for a Mortgage in the next couple of months but I am concerned my recent credit searches will affect my chances,

In Nov/Dec I was looking around for either a new credit card or loan to move existing debt that was coming to the end of its 0% period.

Recently;

Santander loan quotation - Not Taken Up by myself due to the interest rate offered.

Santander Credit Card application - Accepted by me with balance of £1800 transferred onto it

Fluid Credit Card application - I cancelled this application due to taking the Santander one.


Here is my full list from Equifax (which doesn't have the Fluid quotation yet)

10/07/2014 Credit Search Ee Limited Opt In
16/12/2014 Credit Search Santander Uk Plc Opt In


10/07/2014 Subsequent (or follow up) Credit Search Ee Limited
09/07/2014 Insurance Quotation Eui Limited T/a Admiral
09/07/2014 Insurance Quotation Hastings Insurance Services Ltd
10/07/2014 Identity Check to comply with Anti Money Laundering Regulations *dial A Phone (Phones 4u)
24/01/2015 Consumer Enquiry Hdd-price Comparison-barclaycard
28/01/2015 Authentication Check Equifax Consumer Direct
28/01/2015 Consumer Enquiry Equifax
28/01/2015 Consumer Enquiry Equifax
16/12/2014 Identity Check to comply with Anti Money Laundering Regulations Santander Uk Plc


On my Experian report, there are additional searches from Fluid and Money Saving Expert, in brackets beside these are (HDD and HD Decisions) - are these soft searches?

Officially in the last 12 months, I should only have 3 Credit searches, 1 from Fluid and 2 from Santander.

I'm raging at myself for doing this.

Am I screwed?

MrDebtWarrior

Could anyone assist?

kingstreet

Could anyone assist?

Not with any degree of accuracy, no.

You may be reading far too much into the user's ability to micro-manage the mortgage process.

A few credit searches aren't going to see you declined if the rest of your application is strong enough.

MrDebtWarrior

kingstreet wrote: »

Not with any degree of accuracy, no.

You may be reading far too much into the user's ability to micro-manage the mortgage process.

A few credit searches aren't going to see you declined if the rest of your application is strong enough.

Thanks Kingstreet, this is the second thread you have given me advice, I really appreciate it.:beer: