Mortgage while pregnant...

GMS

when was ccj and for how much? Is it satisfied?

Jayjay22

Ccj was 2008/9 for £3.5k. Satisfied but couldn't get past AIP with any lenders with him.
He enjoyed his 20s far to much unfortunatly.

GMS

Jayjay22 wrote: »

Ccj was 2008/9 for £3.5k. Satisfied but couldn't get past AIP with any lenders with him.
He enjoyed his 20s far to much unfortunatly.

What is his income? Employed or self employed? Which lenders declined him?

How much are you borrowing? Purchase price?

When was CCJ satisfied?

Jayjay22

Ccj satisfied this yr. last payment was sometime in the summer.

He's employed, £19k.

We buying house for £174k, 5% builders deposit and 15% deposit from us.

Mortgage of £139ish with my salary alone which is £27850

Jayjay22

Halifax wouldn't go past aip.
This is when we decided to do in my name only

Jayjay22

Sorry- do u think if we risked it & got caught Halifax would take an added £5.5k deposit or just take offer off table all together?

GMS

Jayjay22 wrote: »

Sorry- do u think if we risked it & got caught Halifax would take an added £5.5k deposit or just take offer off table all together?

Speak to your adviser. Express your concerns and see what they recommend.

The fact you are now in this predicament is disturbing. That said if an adviser told you no would you have gone and found one who would fudge it? Not a slur on you but plenty would.

If the lender was aware if the situation then you wouldn't be worrying.

Please speak to your adviser and see if you are comfortable to proceed.

Jayjay22

GMS wrote: »

Speak to your adviser. Express your concerns and see what they recommend.

The fact you are now in this predicament is disturbing. That said if an adviser told you no would you have gone and found one who would fudge it? Not a slur on you but plenty would.

If the lender was aware if the situation then you wouldn't be worrying.

Please speak to your adviser and see if you are comfortable to proceed.

Thanks for your advice.
Don't understand why he's fast tracked my application rather than done it the normal way... Kind of makes me feel like he's trying to pull fast one (but I don't know how it works so shouldn't presume).

If I was less analytical person I'd have not thought ahead enough to worry & just taken his word for it. Which is concerning

Will speak with him again tomorrow

sammyjammy

You keep speaking to your Adviser, this is the person that persuaded you to keep this information from Halifax in the first place. He will not advise you to tell them if he thinks they will then reject your application.

Either keep worrying and hoping or tell the Halifax.

kingstreet

Here's a thread you may wish to see;-

https://forums.moneysavingexpert.com/discussion/4282527

Someone buying a newbuild. Already exchanged, a week away from completion and their case pulled for audit.