Help with University research on mortgage applications and credit scoring

edited 1 March at 12:14PM in Surveys
AlisonResearchAlisonResearch Forumite
43 Posts
Part of the Furniture 10 Posts Combo Breaker
edited 1 March at 12:14PM in Surveys

Have you recently applied for a mortgage? Do you want to share your experience with us? 

We are really interested in a range of experiences and the following questions give you a flavour of what we'd like to talk about. Was everything ok, or did you  fail the credit checks?  Did you pass but have to switch mortgage products, pay a higher interest rate or even get a guarantor? Was it clear why you failed or were accepted with conditions attached? Do you regularly review your credit history files and know what data lenders used to assess you? How have you managed your credit score? What impact did the lenders’ decision have on you? What data would you be comfortable with lenders using to judge your creditworthiness? We would love to hear from you to understand these issues, the process, what is asked of prospective mortgage borrowers, what happened and how it affected you getting a home.

The University of York and the University of Bristol are undertaking work on automated/digital credit scoring tools in housing. Lenders have used credit scoring for decades but it is unclear how well do we understand what is happening to us when we apply for a mortgage. How might the advent of new data resources and greater digitisation of many services impact our access to mortgage products in the future? 

Participation involves a confidential 30-60 minutes discussion on the phone or Zoom with our researcher.  All the information collected will be confidential. 

If you are interested in helping the study and have applied for a mortgage in the last two years, please email [email protected] (alexandra [dot] ciocanel [at] york [dot] ac [dot] uk). Please tell us where you are in the country (so we can get an even spread of people) and we can tell you more about the project and arrange a time to talk. 

Thank you for your interest and we look forward to hearing from you!

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