We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 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!
DIP Credit check 1 or 2
FairyPrincessKimberley
Posts: 44 Forumite
Nationwide did a hard search for my DIP... a couple of weeks ago. Will they do another for the full mortgage offer? As that one search Lowered my credit score! :mad: :money:
0
Comments
-
No.
And stop fretting about your credit score. Otherwise when you move house and it drops through the floor you are going to need medical attention.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 -
haha :rotfl: thanks you make a good point!0
-
kingstreet wrote: »No.
And stop fretting about your credit score. Otherwise when you move house and it drops through the floor you are going to need medical attention.
I had a hard search for my DIP with Santander. I assumed they would do another one at full application.0 -
Hey, did they do another one? or is this still pending ? Think my minds just racing a bit cause I'm all so new to this. :j0
-
FairyPrincessKimberley wrote: »Hey, did they do another one? or is this still pending ? Think my minds just racing a bit cause I'm all so new to this. :j
Doing the full application tomorrow, I know the feeling, Along with this and 16 days of no smoking I'm on the edge of a nervous breakdown!! :rotfl:0 -
FairyPrincessKimberley wrote: »Hey, did they do another one? or is this still pending ? Think my minds just racing a bit cause I'm all so new to this. :j
When my wife and I applied (as FTB's) a couple of years ago, Nationwide only carried out a single check and that was at the DIP stage. Despite the fact the DIP was based on a different property, value, amount, etc. than the full application no further checks were made other than to hand in our last month's payslips (only 1 each, not the 3 months most folk here seem to be asked for).
All in all Nationwide were painless for us (but we are based in Scotland where things seem to be helped greatly by the Home Report Valuation just being accepted :-) )0 -
Nope. Same search covers three months.I had a hard search for my DIP with Santander. I assumed they would do another one at full application.
They'd only do another if you went back after that.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 -
Aw good luck!!! That's so funny I'm 16 days with no smoking my e-cig! Mooodddyyyy! Haha:eek:0
-
I'm in Scotland too actually! And I didn't realise that, that made it quicker so that's good
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.3K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.4K Work, Benefits & Business
- 601.1K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards