Linked addresses and getting a mortgage

murrays2

Hi all,

Do linked addresses negatively affect your credit file and ability to get a mortgage?

Long story short I signed a short term tenancy agreement. Landlord isn't playing ball getting the heating fixed.

I am looking at getting the agreement ended early, which he has agreed to. Problem is I am saving for a deposit on a house.

I moved here in August and moved all my accounts to this address. Looks like I am going to have to move again.

Current address shows as a linked address on my report. If I move to another it will also show as a linked address. Anything to worry about or will it be ok?

[Deleted User]

There's nothing you can do about it, so pointless worrying about it.

Although frequent moves can be an indicator of risk, the important thing is to manage your accounts properly.

murrays2

I lived with my mother for 29 years and thats the one address I have on my reports.

As I moved out 3 months ago, I changed all my accounts over to the new address. I am moving back to my old house for a few months.

My question is I will therefore only have the one linked address ie the property I rented for 3 months? Shouldn't look too bad to lenders then?

All accounts are in working order. Thanks.

[Deleted User]

It’s fine. Nothing to worry about.