Irish mortgage UK credit check

Hi there,

We need advice on how to proceed with our mortgage application. We have lived in Ireland for over 6 years but prior to that we had a property in the UK which we sold in 2007. The mortgage provider wants us to do a credit check on our residency in the UK during that period even though we cannot facilitate this as it appears we need a current UK address. We have tried to contact experian and equifax however it is impossible to speak to anybody. Any advice much appreciated.

smith5fan

Given that it's five years since you had a mortgage in the UK, I think your mortgage provider is being excessive seeking a UK credit check. Is there a reason why you must go with this particular lender here? I think I'd explain to them that you can't get a UK credit check without a UK address and if they still don't like it, try another lender.

Thanks for that LDFerguson. We will raise this with them tomorrow.

smith5fan

Would this be AIB by any chance?

They asked the same from us and you can get an online experion credit report for £1 iirc and print it out yourself.

We were asked the same thing, been here for years and mortgage approved but we needed to supply the experian check for the UK. Seems strange they wouldnt do this if it costs so little or as we found out sometimes free!