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Mortgage declined after acceptance

Newheight13 · 2026-02-07 12:43:22

Hi guys, Mortgage had been accepted subject to work being carried out before they would lend due to structual issues - so that mortgage is pending. We decided today to pull out and our broker ran another AIP with them again for an additional 50k but it came back with ‘declined’ and the reason being ‘credit score?’ Broker…

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advisertryingtohelp Posts: 4

Newbie

5 March at 1:05PM

When lenders run an AIP they use an internal scorecard as well as the credit file. Increasing the loan amount by £50k can change the risk profile even if nothing on the credit report itself has changed.
The extra £50k likely pushed you outside affordability, the lender’s internal scorecard recalculated risk, the debt-to-income ratio crossed a threshold. Meaning your credit score doesn't match the ratio needed to be accepted.
Or the first case may have been manually assessed, The second AIP triggered hard credit scoring .
It may be worth asking your broker if they can check the lender’s affordability calculator again or try another lender, as different lenders score cases differently.

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Mortgage declined after acceptance

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