Natwest mortage???

hayley77

Hi all,
I applied for a morgtage for £90,000 with natwest on the phone a few days back, they offered my a ftb fixed for 5 years at 5.99% which i have taken and return the forms. |I am a natwest and rbs current acc holder so the chap who did the application on the phone checked my accounts to confirm my income an seems to have done a credit check as its showing on my files. My question is, i am overdrawn in natwest, not to the limit and in rbs i end up in my overdraft but not as deep each month, the mortage has gone to the underwriters, i seemed to have passed the credit check so could i fall with the underwriters? I am getting £20,000 plus in a month from a will that will clear any overdrafts, but they are looking now.......

TEDDYRUKSPIN

What is the question you want answered?

Underwriters will actually do a statistical analysis of your income and outgoings for at least a year. They will go through a thorough credit check which will look at your credit history for the last six years.

You are right that your overdraft behaviour will not look good for you. But have you provided proof to them that you will receive the £20k will monies? How much are you using for the deposit?

hayley77

im just worried that they will not pass it, no i have not said about the money im due, would that make a difference?? I could get the solicitor dealing with the will to provide prove....thanks in advance

hayley77

Im putting down £10,000 so i can clear all debt and have some savings