Will you carry out a credit check on me?Last Updated: August 04, 2018
Research and Personal Assessments
When we provide a quote or an affordability assessment we are not carrying out a credit check. When you speak to our chatbot we will not carry out a credit check.
Personal assessments may involve asking for your credit report and asking for further documentation - but no credit checks are involved in this process.
If you obtain your credit report from a credit agency, they may carry out a credit search but we don't carry out any checks.
Agreement in Principle & Mortgage Applications
The only stage that a credit check is carried out is when you want to obtain an Agreement in Principle or submit your mortgage application. This process is carried out by the lender and we would give you plenty of notice in advance.
Usually by this stage we have already emailed you with a personalised recommendation. We will ask you if you want to obtain an Agreement in Principle or Decision in Principle and we will let you know clearly that this process will involve a credit check.