Too much difficult research into your credit information could suggest to lenders that you might be struggling to repay your loans. Maybe you`d like to check with a lender to see if they`re doing any soft or difficult research before applying for a mortgage in principle. If you apply for a mortgage, the lender will evaluate your application according to its criteria. To do this, they will look at information related to your credit information, application form, and everything they already know about you if you are a customer. This helps them decide if you are able and likely to respond to refunds. It`s worth noting that mortgage providers usually check that you can afford not only the deal you`re asking for, but also higher repayments in the event of an interest rate hike. .