Paying credit off early

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Hello! I’m looking at applying for a mortgage but the lender thinks I may be rejected on affordability. I have car finance and finance for a bike, I can pay the bike one off but it’s obly been running a few months.
My questions are, if I pay the bike off in full how will it affect my credit rating? Also if I extend the car finance payments to reduce the monthly payment amount will it have a negative credit impact?
My questions are, if I pay the bike off in full how will it affect my credit rating? Also if I extend the car finance payments to reduce the monthly payment amount will it have a negative credit impact?
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What other expenses do you have?
You should also read the sticky in here about credit ratings, and do a bit of reading about preparing for a mortgage. Getting bike finance in the 6 months before getting a mortgage is really not ideal timing, because banks can see that and their perfect customer is one who is easily able to afford what they want to borrow and is nice and stable financially (ie they want someone who hasn't had many financial changes recently). This is why people advise not to get new credit cards or loans for a good six months before applying for a mortgage. Since I presume you're using savings to pay out your bike finance, it might be a good idea to sit tight and save for a bit longer, to give yourself the best chance of the best mortgage deal.