08/10/2026
Not every credit check works in the same way.
A soft search does not normally affect your credit score. A hard search may be carried out when you formally apply for a mortgage or other borrowing, leaving a record that other lenders can see. ππ§Ύ
Understanding the difference could help you prepare for your mortgage application and avoid unnecessary credit applications.
Read our blog for a closer look at soft and hard searches: https://tinyurl.com/fwkxs2tp
Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026