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First direct rejected us.
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the mortgage i applied for was a 2.79 fixed rate.0
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Clear the £4k credit card debt. Might be 0% but does you no favours in terms of obtaining a mortgage from HSBC.0
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We got a mortgage with FD, lower income than yours though lower LTV. Before I changed to them, I reduced our credit card limits. One MBNA one was 14K which is ridiculous for our income. We had no debt but I just told the credit card companies to reduce our borrowing limits. Maybe try again in a few months as their rates are good.0
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Hmm
not that i disagree with either of you, but i wish FD would have mentioned that, if it was part of the problem. They actually said that the main issue was that we were short of my ohs income. even though my overtime is approx half of that anyway... because of course overtime doesnt count, its not real income apparently!:rotfl:0
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