Hi all!
We have got our agreement in principle with hsbc, using a private mortgage broker. They did 9 soft searches on my credit report last week. They have organised the valuation to take place next week. I’ve just gone in check my file and my score has gone down 4 points and it shows 1 more search from hsbc and credit application, which I’m assuming is the reason behind the 4 point decrease. I googled how much is decreases by and it is 4-5 points. Please can anyone tell me if this means they have done the hard checks now and the only thing left should be the valuation? Thankyou!