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Closing and opening utility accounts - impact on applying for mortgage

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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! 

Comments

  • la531983
    la531983 Posts: 3,103 Forumite
    1,000 Posts First Anniversary Name Dropper
    Absolutely none.

    Lenders are aware people change providers for utilities.
  • EclipseHAP23
    EclipseHAP23 Posts: 10 Forumite
    First Post
    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
    teaselMay Posts: 665 Forumite
    500 Posts First Anniversary Name Dropper
    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.
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