It may also be the property itself that leads you to be turned down for a mortgage, for example. B if it is listed, previously used for commercial purposes or has recently been affected by subsidence, which is the gradual subsidence of the earth that collapses the ground under a house. In principle, you can be refused when applying for a mortgage, which can affect your creditworthiness. The important thing is that not all mortgage principles are the same. So be warned and they can give you a misguided sense of security. Make sure you understand the scope of validation using the lender`s underwriting policy and that it has included a credit check. You are then offered a mortgage based on what the lender thinks you can afford. It may be more or less than you originally planned…