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Santander mortgage

Does anyone have experience with which credit agency Santander use for there credit checks? They have done a soft search on all three but doesn’t this mean they will use all three for hard checks? 

Comments

  • K_S
    K_S Posts: 6,907 Forumite
    Fifth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 25 May 2022 at 4:37PM
    @dawn28 Afaik, it's Experian with Equifax as backup.

    Don't quote me on this though, lenders can and do change what they use.

    I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, 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. 

    PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.

  • Dawn28
    Dawn28 Posts: 11 Forumite
    Fourth Anniversary First Post
    Many thanks for this information. It's such a mind field it's good to have an idea of who they use/ don't use. 
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