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Mortgages and missed payments
Comments
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Your friends level of debt also has no baring on whether or not you would get a mortgage.
If your broker has advised Halifax then I suggest you trust their advice, it is what they are getting paid for.Thinking critically since 1996....0 -
I'd consider a calculated risk and possibly try a speculative application to Nationwide. It is a single late payment, a "1" showing for only May 2008? The earlier episode should not register if it was seven years ago.
Try GMS' trick and make an application for 89.9%, not 90%.
It will leave a footprint on your credit file visible to Halifax if you do need to apply to them if you're declined, so you have to decide if you think it's worth the risk.I 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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