{"links":{"self":"https://petition.parliament.uk/petitions/783279.json"},"data":{"type":"petition","id":783279,"attributes":{"action":"No credit check mortgages","background":"For years, landlords, letting agencies and housing associations have profited from people who can’t get a mortgage. RIP OFF BRITAIN at its finest.","additional_details":"The banks say “no we aren’t lending you X amount of money to buy your own house even though your giving us 5 or 10% upfront which is our profit anyway but you can pay your landlords mortgage for them instead and let them profit from you” . \r\n\r\nRent a house for £1500 instead of paying less for your own they say ! \r\n\r\nWe need a mortgage with no credit checks what so ever. All that should be required is proof you’ve paid rent on time for a full year for full acceptance with normal interest rates.","committee_note":null,"state":"rejected","signature_count":6,"created_at":"2026-09-29T19:13:04.306Z","updated_at":"2026-10-20T15:05:34.984Z","rejected_at":"2026-10-20T15:05:33.532Z","opened_at":null,"closed_at":null,"moderation_threshold_reached_at":"2026-09-30T06:05:20.000Z","response_threshold_reached_at":null,"government_response_at":null,"debate_threshold_reached_at":null,"debate_scheduled_on":null,"scheduled_debate_date":null,"debate_outcome_at":null,"creator_name":null,"rejection":{"code":"irrelevant","details":"Decisions on the requirements needed for a mortgage are a matter for individual lenders, not the UK Government or Parliament. \r\n\r\nYou could start a petition calling for the Government to work with lenders on the creation of a Government-backed mortgage for people who don't meet certain eligibility criteria, if that's something you would like to see. "},"government_response":null,"debate":null,"departments":[],"topics":[]}}}