Applying for a loan just after moving into new property - AA Loan

Kurtisbaptiste1993

Hi,

We are due to be moving into our new property mid July. 
After battling to find a decent mortgage lender and have our mortgage offered to us we were presented with Halifax who would take us on.

My credit score is 'Good' - All my current credit card debts will be paid off before the mortgage funds are released.

How long after should I wait to then take out a personal loan? We will be looking for a loan for home improvments.
The paid off debt may not show straight away on my credit file, is it worth waiting for these to show on my credit file before applying for a loan?

Going through a couple comparison sites I have a 95% chance that AA will take me on at the APR presented to me.
Has any one taken out a loan with AA? if so, do they stick with the APR presented at the first 'soft check' stage?

We want to get a loan paid out ASAP really, as soon as we move in.

The AA loan is really appealing to me and ticks every box, if anyone has had any experience with AA and their loans please do let me know.

Thanks

[Deleted User]

Give it two to three months for things to settle. However, if you don't, then the worst that will happen is a search on your files. Make sure your files are accurate when you apply, ignoring the 'Good' credit score.

You may not get the headline rate, or the rate offered via soft search.  

GentleGiant01

In regards to the mortgage application, they often do a final credit search a day or so prior to releasing funds, so please do not do ANYTHING until you have those keys in your hands. 

As above, I would suggest waiting a few months. It may not be what you want, but often after being in the property for a short while you will get a better understanding of exactly what you want to do with the house, far better than the day you move in anyway. 

I’ve used AA before and I got the APR stated, I found them very good and their customer service was also very good. 

SensibleSarah

I tried to buy a sofa on 0% finance about six weeks after completing on my first home - the repayments were £15 a month so hardly an issue for affordability - I still failed the credit check on the sofa and my mum had to do it in her name instead. So I'd definitely leave it a good 2 months plus!