We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
DIP please......HELP
Kca
Posts: 55 Forumite
Hello quick question please....my partner is the main bread winner in the house and he basically earns 4 times my wages but I have got a dip in my name etc he can't as he has a default 
:( just one the mortage company skipton asked how much I pay for child care and I said its my partner who's wages pays all the bills
And my wages are just weekly living food petrol etc,
They now need to speak to under writers do I need to get some sort if letter from my child's nursery
To confirm this or how do u think this will turn out ? Surely they can't penalise me for not having major our goings?
Any advice is much appreciated thanks
:( just one the mortage company skipton asked how much I pay for child care and I said its my partner who's wages pays all the billsAnd my wages are just weekly living food petrol etc,
They now need to speak to under writers do I need to get some sort if letter from my child's nursery
To confirm this or how do u think this will turn out ? Surely they can't penalise me for not having major our goings?
Any advice is much appreciated thanks
0
Comments
-
Not good I afraid...
You effectively want them to consider your good points ie credit rating, but not the commitments as want them to include OH income. I think they will want a joint application and would be surprised if they accept this I am afraid.
Does OH just have one default and if so dated when and is it settled?I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0 -
I kind of thought that yeah
Just the one it's not settled cause still fighting it
With the fos it's all bank charges for £118 skipton won't touch until settled and possibly 1 year old tried other lenders aswell my credit rating is fine no debt just my phone bill every
Month....they said they don't consider that but I'm gonna fight it tho if I have to get a letter too confirm its him who pays it
It's annoying ....0 -
So all he has is a £118 default. What date?
What purchase price and deposit do you have?I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0 -
The purchase price is 210 and we have £92000 from the lift scheme and an additional 10-15 our own savings plus fees etc were limited cause only certain people take on lift scheme and yeah only 1 default 0
-
A local broker should have options. Usually one default of this amount should have a solution.
Not overly familiar with the LIFT scheme due to the geography, but I do not think Skipton will be happy and maybe worth getting a back up..
Good luckI am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0 -
Aww we tried the broker was useless maid us pay
For a survey etc thank you keep ur fingers crossed will let u no thanks0 -
Hello Underwriters were very happy
no letter needed either I'm very happy still got a while to go but looking ok thanks for your ell tho :rotfl: 0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.8K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.2K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards