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Will taking out a loan in Ireland be seen in a credit check by a UK bank? (Mortgage)

  • 11-03-2021 1:51pm
    #1
    Greenlights16
    Registered Users, Registered Users 2 Posts: 273 ✭✭


    Hi,

    Need to take out a loan to buy a new car, had to sell the old one on this week.

    I've bought a property in NI through a UK bank (HSBC), all is good, but contracts not signed yet, and drawdown not expected for another 6 weeks or so.

    I'm not taking the chance of taking out any loans or anything in UK/NI in case HSBC would come back at the last minute and refuse the mortgage based on affordability.

    I can well afford the car and the home repayments, no issue there, banks don't see it like that though I'm aware.

    Can I take out a loan with my AIB/PTSB accounts in Ireland where I live at the minute, without it showing up in UK Credit check?
    Or is there no guarantee that a loan in Ireland wouldn't show up for them.....

    Loan amount would be about €15K euros.

    Thanks in advance.


Comments

  • #2
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    I can't speak for currently as things might have changed but certainly in 2019 they didn't show up.


  • #3
    Greenlights16
    Registered Users, Registered Users 2 Posts: 273 ✭✭Greenlights16


    After looking at the lowest interest rates available for personal loans I might just wait it out until all dealings are done.

    Can get 2.9% personal loans from Tesco Bank UK, and 3% from Santander.

    Lowest in Ireland here looks to be 6.3% - typical. :D :rolleyes:


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