Hsbc mortgage first time buyer

Marmaladebramble

Hello.
I had my initial meeting with an advisor today. I have about 15% deposit and the mortgage would be about 500 a month against a salary of more than 2000.

I have no outstanding loans or credit cards but she said there was something on my credit report the system didn't like.

I have had a look and I have one missed credit card payment on a now closed account. it also shows two missed payments two years ago. I called the company and it confirmed it was due a direct debit I set up where the details were wrong, which was rectified and the additional paid off as soon as this was spotted.

The lady I spoke with as hsbc said my internal score was good and as long as I had no ccjs etc (which I don't) it *should* be okay. ESP as I have no outstanding debt, a good deposit and asking to borrow relatively small amount (83k)

Does have anyone have any experience of this and then getting approved or any thoughts?

Many many thanks

_Andy_

So many factors involved there is no point in anyone speculating on it, sorry

Marmaladebramble

Thank you for taking time to reply, I realised after posting it was a bit like asking someone to answer a riddle... But thank you anyway!