Closing and opening utility accounts - impact on applying for mortgage

EclipseHAP23

Hi all, 

After a separation, I am faced with having to rent as short term as possible while trying to arrange a new mortgage. This will involve:

• Closing utility accounts on the property I am leaving (or just taking my name off as ex is remaining - not sure if that counts as closing the account?). 
• Leaving a mortgage on old property 
• Starting a new rental contract 
• Opening new utilities in new property 
• Starting a new job 

i realise that credit scores are not a ‘real’ thing for lenders, but credit history of course is. I have good credit history, but I am wondering what the impact of all the opening and closing accounts will have on prospective lenders please. I realise that I will need to be in the new role a certain amount of time etc. before applying. This question is more centred around any potential impact of all the closing/taking name off/opening of accounts in this way. 

Many thanks in advance! 

la531983

Absolutely none.

Lenders are aware people change providers for utilities.

EclipseHAP23

la531983 said:

Absolutely none.

Lenders are aware people change providers for utilities.

Thank you so much. Yes I suppose they can see it’s just utilities rather than recklessly opening lots of credit. 

teaselMay

Out of curiosity I was looking at my credit report the other day and the only hard searches on what I could see were from Octopus when I moved to them a year ago and then the one for my mortgage a month ago. It was clear what the Octopus one was.