Does moving house affect your credit score

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When it comes to moving house, there are several factors that can impact your credit score. One of the biggest factors is the process of applying for a new mortgage. This typically involves a hard credit inquiry, which can cause a temporary dip in your credit score.

However, this dip is usually minimal and should only last for a short period of time. In fact, the impact on your credit score will likely be outweighed by the positive effects of taking on a new mortgage, such as on-time payments and a lower debt-to-income ratio.

Another way that moving house can impact your credit score is if you have outstanding debts or bills that go unpaid during the process. For example, if you forget to pay your utility bill at your old address and it goes to collections, this could have a negative impact on your credit score.

Similarly, if you miss a payment on your current mortgage or any other debts while you are in the process of moving, this could also hurt your credit score. It's important to stay on top of your bills and debts during this time to avoid any unnecessary damage to your credit.

Overall, moving house does have the potential to impact your credit score, but with proper planning and attention to detail, you can minimize any negative effects and set yourself up for a successful transition to your new home.

If you're considering a move and have questions about how it could impact your credit score, don't hesitate to reach out to a mortgage advisor at Our team of experts can help you navigate the process and ensure that you are making informed decisions that will benefit your financial future.

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Gemma May

Mortgage Advisor

Gemma May

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