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Mortgage offer but no credit search
DarylBarker
Posts: 4 Newbie
Hello,
My partner and I have exchanged contracts on a new build house and we're just waiting for completion now. We have a mortgage offer with Halifax, yet there is no record of any searches being made on my credit report. Is this normal?
Thanks.
My partner and I have exchanged contracts on a new build house and we're just waiting for completion now. We have a mortgage offer with Halifax, yet there is no record of any searches being made on my credit report. Is this normal?
Thanks.
0
Comments
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You've looked at all three versions of your credit file?I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0
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Hi DarylBarker
Interesting you've posted this, it's a pretty identical situation to us. Have checked my report on Experian, Equifax, Clearscore and Noddle, yet still no credit searches and we are near to exchanging?!
Our mortgage is through Santander and I know they use both Equifax and Experian so a little confused...0
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