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Closing and opening utility accounts - impact on applying for mortgage
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EclipseHAP23
Posts: 10 Forumite

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:
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!
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!
0
Comments
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Absolutely none.
Lenders are aware people change providers for utilities.1 -
la531983 said:Absolutely none.
Lenders are aware people change providers for utilities.0 -
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.1
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