Posted Date: 17/11/2025
It can be disappointing to hear your mortgage application has been declined, especially if you’ve been preparing carefully. One reason this can happen is when a lender sees several recent credit applications on your file.
Why It Matters
Each time you apply for credit such as a loan, credit card, or car finance it’s recorded on your credit report. Multiple applications made close together can make lenders cautious, as it might suggest you’re taking on more borrowing than usual. Even small applications can have an effect, depending on timing and the lender’s criteria.
Moving Forward
If you’ve recently applied for other forms of credit, it may help to wait a little before reapplying for a mortgage. This gives your credit report time to settle and helps show a more stable financial pattern.
At Muuvin Mortgages & Protection, we offer a no-obligation call to discuss your circumstances and help identify what might have caused your application to be declined. You can also view more information about credit and mortgage applications on our dedicated page: When the Broker Says No.
Will one credit application affect my mortgage?
Not usually, but several recent ones can raise concerns for lenders.
Should I avoid taking out new credit before applying for a mortgage?
Yes, it’s generally best to avoid new borrowing in the months leading up to your application.
How long should I wait before reapplying for a mortgage?
It depends on the lender, but allowing a few months between applications can help.
Disclaimer
Your home may be repossessed if you do not keep up repayments on your mortgage.
This article is for general information only and should not be taken as advice. Mortgage applications are subject to status and lender criteria. The information provided is correct as of the date it was posted and may be subject to change without notice.
