Credit application before completing on BTL mortgage

magicmcone

Hi there,

We have a BTL mortgage application just underway that hopefully will complete in about 2 months.
On the other hand, we have some renovations going on and would benefit from putting some staff on a 0% credit card (Did not apply for credit before the BTL because this was and still is our priority).
Are credit applications still advised against while BTL applications are underway in the same way as residentials or are these ok due to affordability being assessed primarily against property income?

Thanks in advance 

Hoenir

Generally the rule is don't. Lenders can recheck /be automatically notified of changes. 

Elchie232

I would advise against any changes to your credit file until you get the mortgage offer.