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Safe to change phone contracts?
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1616six
Posts: 173 Forumite

Hi all
Mortgage offer from Santander, offered in August, expires 30th Dec.
Due to complete 8th December
My mobile phone contract is up and I want to change to a different provider which will of course include a credit check.
Mortgage offer from Santander, offered in August, expires 30th Dec.
Due to complete 8th December
My mobile phone contract is up and I want to change to a different provider which will of course include a credit check.
Obviously don’t want to rock the boat so close to completion, am I safe or should I wait until the house purchase is complete?
I’ve read some providers perform a last minute credit check before releasing funds and I’d never forgive myself if I messed things up by a simple mobile phone contract.
Thanks
Thanks
0
Comments
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Why risk it for 2 weeks?2
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Sorry sir we wont be able to give you a mortgage because you have changed your phone to O2...
Don't worry about it, the majority of lenders do not run a hard check at completion.0 -
The general view is no new credit applications. For the sake of 2 weeks I would leave it.1
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Edi81 said:The general view is no new credit applications. For the sake of 2 weeks I would leave it.
There are some cracking deals on with BF this week but I think for the sake of £5-6 a month saving, I’d rather give that up than run the risk of buggering the house purchase up!0 -
TheJP said:Sorry sir we wont be able to give you a mortgage because you have changed your phone to O2...0
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1616six said:TheJP said:Sorry sir we wont be able to give you a mortgage because you have changed your phone to O2...0
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Should not have any effect, but maybe wait till completion.0
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Spoke to our mortgage advisor who said it’s fine and the only check Santander will likely do is a bankruptcy check.All done and sorted, gone sim only for £7 a month. Some cracking deals on HUKD if anyones looking!1
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Kind of related thread...
https://forums.moneysavingexpert.com/discussion/6406410/mortgage-offer-pulled-3-days-before-completion/p2
Feb 2008, 20year lifetime tracker with "Sproggit and Sylvester"... 0.14% + base for 2 years, then 0.99% + base for life of mortgage...base was 5.5% in 2008...but not for long. Credit to my mortgage broker0 -
fewcloudy said:0
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