Worrying About remortgage

jw2003

Hi, I don't work in finance, in fact I am pretty rubbish at remembering to pay my bills on time - largely because the first of the month can fly past and I've not even realised so, as a result bills are often paid late. It didn't appear to be an issue when we took out our mortgage last year and we still got the advertised rate (taken out during the height of the housing crash too before the base rate dropped and when first time buyer mortgages were few and far between). I appreciate wholly that most posters here are significantly more informed than I but I just thought I'd let you know our situation as it wasn't too dissimilar (actually, in the 6 years up to getting the mortgage there had been periods of serious financial difficulty and high levels of personal debt but we had cleared this about 18 months previously)

mrsjonesjuly2010

Jw2003,

Thanks for that, I really hopr my late payments dont effect us, they are all for bloody credit cards..