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Mortgage aip- chances of actually getting mortgage?
Caleb11
Posts: 200 Forumite
I asked my mortgage advisor & he said as long as I'm telling the truth about everything I'll be fine. Im going in with 15% deposit but need reassurance...
The deposit is half gifted and saved but it will probably look 100% gifted as it was saved in partners account. Does this effect my chances as they might think I wasn't able to save?
I have clear credit rating with several accounts all paid on tine and settled when paid off
I have overdraft of 1400 and credit card £330. Advisor said that these are not a big deal and not to worry. Is he right?
Mortgage co want back statements but every month I leave on what I need for direct debits then take out the rest as I work better to work with cash. Will these effect it as they can't really see how I spend my money?
In panicking now that im getting close to getting a house. Any advice would be grateful
The deposit is half gifted and saved but it will probably look 100% gifted as it was saved in partners account. Does this effect my chances as they might think I wasn't able to save?
I have clear credit rating with several accounts all paid on tine and settled when paid off
I have overdraft of 1400 and credit card £330. Advisor said that these are not a big deal and not to worry. Is he right?
Mortgage co want back statements but every month I leave on what I need for direct debits then take out the rest as I work better to work with cash. Will these effect it as they can't really see how I spend my money?
In panicking now that im getting close to getting a house. Any advice would be grateful
0
Comments
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Use this thread instead, folks.
https://forums.moneysavingexpert.com/discussion/comment/51914053#Comment_51914053I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0
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