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Score and buying help

edited 30 November -1 at 12:00AM in House Buying, Renting & Selling
2 replies 221 views
BiilBiil Forumite
88 posts
10 Posts Name Dropper
edited 30 November -1 at 12:00AM in House Buying, Renting & Selling
Hi everyone, I had few questions

1. If I have one bank say Halifax that I been with many years but then open another bank with someone else to, would my chances for a buying a house or getting mortgages with Halifax become slim ? As to having just one bank ?

2. When a credit check is ran e.g mobile phone etc do they run history check or is it a credit check on that bank account? E.g if I have 2 account or two banks ?

Replies

  • zx81zx81 Forumite
    30.5K posts
    Tenth Anniversary 10,000 Posts Photogenic Name Dropper
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    1. Little difference, but I wouldn't do it just before a mortgage application.
    2. It's a credit check - looking at the full content of your credit files. Your score doesn't come into it either way.
  • BiilBiil Forumite
    88 posts
    10 Posts Name Dropper
    Thank you, It few months before I do a mortgage, Just checking things out before, I do the process
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