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does been overdrawn affect my chances of a mortgage?

2

Comments

  • bigianw
    bigianw Posts: 28 Forumite
    Thrugelmir wrote: »
    They'll see your overdraft usage when performing the credit check. So no need for bank statements.


    they have already credit checked me and it didnt show up, neither did the c card debt
  • TrickyDicky
    TrickyDicky Posts: 666 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Well done defrauding the mortgage company.
    Im sure we'll see you in a year's time when you've bought a car on credit, you're boiler's packed up and for some reason you cannot afford your mortgage any more.
  • bigianw
    bigianw Posts: 28 Forumite
    TrickyDicky wrote: »
    Well done defrauding the mortgage company.
    Im sure we'll see you in a year's time when you've bought a car on credit, you're boiler's packed up and for some reason you cannot afford your mortgage any more.

    ITS NOT FRAUD I PAY MY DEBTS
    i have a car already of course i can paymy way and no i will not apply for any credit
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    bigianw wrote: »
    they have already credit checked me and it didnt show up, neither did the c card debt

    If you already have a made an application and received a formal mortgage offer then you have to nothing to worry about then.

    As its obviously been regarded as not important. A proper credit check which all lenders perform will disclose all debts and there respective balances for the previous 12 months.
  • bodmil
    bodmil Posts: 931 Forumite
    You got a mortgage with 14k of debt and a gifted deposit? Why on earth am I bothering to save?
  • bigianw
    bigianw Posts: 28 Forumite
    bodmil wrote: »
    You got a mortgage with 14k of debt and a gifted deposit? Why on earth am I bothering to save?

    sure did but they dont know about the big debt onlky the 2 small ones
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    bodmil wrote: »
    You got a mortgage with 14k of debt and a gifted deposit? Why on earth am I bothering to save?

    Maybe its because you are more likely to still be owning a property in 10 years time.

    People aren't being clever by deceiving themselves, merely foolish.
  • bodmil
    bodmil Posts: 931 Forumite
    I'm just surprised at the mortgage lender. Idiots. Hope it's a horrendous rate to reflect the risk.
  • mavala25
    mavala25 Posts: 75 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    serious_saver wrote: »
    I'm curious, who have you managed to get a mortgage with? It sounds as though they are being very resonable/flexible


    The Mortgage Works
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    mavala25 wrote: »
    The Mortgage Works

    Thats slightly different then as you are obtaining a commercial loan not a residential one.

    Hope you are are better at running business finances than your own. As your sister appears to be the one who is going to lose out.
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