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Will shopping around for mortgages ruin my credit score?


Hi James,


I've just started looking for a mortgage. Can you tell me if too many credit checks in connection with this will affect my rating? Thank you



Greig, Aberdeen


Dear Greig,

Multiple credit checks can cause lenders concern because this can indicate desperation or fraud. But this shouldn’t be an issue for you. Begin by deciding what sort of mortgage you want and then compare the deals you qualify for. Price-comparison sites can help you with this, as can a reputable mortgage broker. If you join CreditExpert you’ll be able to search for mortgages that match your credit history using our deals matcher service. The interest rate on most mortgage deals is fixed, but if any lenders do need to check your credit report before giving you a quote they should register a quotation footprint on your credit report. Importantly, these don’t affect credit scoring. Once you’ve settled on the best deal, you can approach that lender for a ‘decision in principle’, which will usually involve a full credit check. If you’ve done your homework properly they should hopefully say yes. If they don’t, you can then approach the next lender on your list. They will see that you’ve applied to one other mortgage lender, but if the rest of your credit history is in good shape and you meet their other criteria that shouldn’t be a problem. They key is to do your homework and avoid making applications that are unlikely to succeed. Good luck.

James Sign

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