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Barclays rate switch - affordability / credit

Has anyone had any experience with this? We’re existing customers coming to the end of our current term and being offered a switch to other more preferential rates.

Understand there’s no further affordability assessment but do you know if a credit check is made? My partners file is good and clean but mine has some blemishes... wondering whether the best bet is to wait until mine begins to recover...

Comments

  • amnblog
    amnblog Posts: 12,764 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    no credit check is made
    I am a Mortgage Broker

    You should note that this site doesn't check my status as a Mortgage Broker, 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.
  • amnblog said:
    no credit check is made
    Thanks for this 👍

    Would you know if that’s also true for Woolwich-Barclays mortgages? We’re coming out of the three year initial rate of a family springboard mortgage.
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