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  • FIRST POST
    • Tomg84
    • By Tomg84 2nd Oct 17, 12:59 PM
    • 3Posts
    • 0Thanks
    Tomg84
    Paranoia or bad credit
    • #1
    • 2nd Oct 17, 12:59 PM
    Paranoia or bad credit 2nd Oct 17 at 12:59 PM
    Hello all

    Hope you all can give some advise. Shortly me and my wife will be applying for a mortgage (help to buy with 5% deposit) we do have a couple of blips. The paranoid me thinks these might scupper a mortgage but I’m probably overacting. To summarise for my wife:

    One late payment in 2013
    One late payment in 2014

    Both for less than £50 for a catalogue

    And for me a late payment on a bank account in 2013 due to exceeding overdraft by less than £50

    Any thoughts?
Page 1
    • ACG
    • By ACG 2nd Oct 17, 1:20 PM
    • 15,521 Posts
    • 7,869 Thanks
    ACG
    • #2
    • 2nd Oct 17, 1:20 PM
    • #2
    • 2nd Oct 17, 1:20 PM
    Should be fine with most lenders I think.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
    • ap1985
    • By ap1985 2nd Oct 17, 2:01 PM
    • 299 Posts
    • 129 Thanks
    ap1985
    • #3
    • 2nd Oct 17, 2:01 PM
    • #3
    • 2nd Oct 17, 2:01 PM
    From a non-mortgage advisor point of view, I understand this should be okay! My credit history was far from perfect, however, here I am now a happy home owner. Good luck
    Finally going to be a homeowner
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