DIP/Mortgage Application Question

Lostthegame

Hi there,
 On Thursday I submitted my mortgage application to Barclays via a MB.
Before that the DIP was approved on Monday and they did a hard search on my credit score. 

Will they now do another hard search for the application or will they just go with the hard search they did for the DIP?

Thanks

ACG

I cant answer your question as I do not know the answer. Usually the credit check would be carried out at the time of pressing submit, so if that has not been done it looks like they are using the one on the DIP unless the report you are looking at takes a bit of time to update. 

Just a quick one though - A mortgage broker is using barclays? Are we talking about someone who works for barclays or a whole of market broker? 

Lostthegame

I’m using Experian, I can’t find much info online but some of the people I have seen talking about it seem to think they use the credit check from the DIP for Barclays.

No I’m not using a broker that works for Barclays.

Thanks for the reply 

LDreader

I’m approaching week 7 of my application with Barclays ....I had a hard search on DIP a week before my broker submitted my application. No searches since. 

shondoc

This will be week 8 of Barclays application come Friday. Had a hard search on Dip and my full app was submitted 2 days later. No further searches since. 

amnblog

Nor sure what the purpose of the question is. Our OP probably has an issue on the credit file that they are hoping to 'get away with'.
Consider the credit profiling to be 'active' in that the Lender can take a view at any time during the process.

Lostthegame

amnblog said:

Nor sure what the purpose of the question is. Our OP probably has an issue on the credit file that they are hoping to 'get away with'.
Consider the credit profiling to be 'active' in that the Lender can take a view at any time during the process.

The purpose of the question is if they would do 2 hard searches or just the one!

jls85

Sorry to hijack the thread but @ACG, can I please ask why it surprises you that a Mortgage Broker is using Barclays? That is who mine recommended too and we are currently waiting for a decision. 

Lostthegame

jls85 said:

Sorry to hijack the thread but @ACG, can I please ask why it surprises you that a Mortgage Broker is using Barclays? That is who mine recommended too and we are currently waiting for a decision. 

How long have you been waiting? My application only went in Friday and the wait is painful already! 

jls85

Ours went in on Wednesday and I’ve done nothing but check emails obsessively since! I totally feel your pain!