A 'hard' or 'full' credit search is when we take a full look at your credit score during our assessment of your mortgage application.
We will ask your permission before confirming this check as this will leave a mark on your credit report and be visible so that other lenders can see when you applied and if your application was accepted.
Having multiple hard searches or ‘hard footprints’ on your credit file within a short period of time can have a negative impact on your credit score and your ability to apply for credit in future.