Quick question re mortgage application

simples23

Folks,

Quick question re mortgage application so any advice/info would be appreciated.

Basically, in the next few weeks, I'll be submitting my mortgage application.

Affordability wise there's no issues. Credit report wise, no issues. Both are clear and credit report is very good.

However, there's one thing I'm slightly concerned about. Basically, for the last few months, I've been doing the national lottery online for my family. My mum's not well so she gives me money and i do it online for her. I also pay a few of her bills with my debit card and she gives me the cash. She doesn't have a bank account hence why I let her use my card.

A couple of her bills were to debt management companies (again, purely her and her name - my accounts and report is perfect) and the lottery (between hers, mine and my fianc!e's is approx £60 per month for euro millions, sat lottery, wed lottery, plus 5 etc).

The payments were one time payments to make sure her accounts remain up to date so no continuous payment authorities etc were set up.

Will this affect my application?

I've now stopped doing the lottery online (going forward) and she no longer needs to pay said companies using my card ( they've sent her giros now so she can pay at the post office).

Thanks for the help and advice!

simples23

I should also say I live in N.Ireland (incase that changes anything).

shonzyd

why would you think doing the lottery online would cause any problems?

There wouldnt be any difference in me withdrawing £10 and walking into a newsagent and buying a ticket over the counter.

Its not a financial commitment therefore it makes no odds to the bank

simples23

I was worried it could be perceived as "online gambling" in the same vein as online betting, bingo etc therefore having a negative affect on the application.

As far as I was aware from what I've recently read, gambling transactions could have an adverse impact on your application.

shonzyd

Think you're reading too much into stuff and perhaps worrying over nothing. Theres no monthly subscription or anything with the lottery so unless your putting yourself into financial hardship playing it, then its your disposable income, do what you want with it.

i would be very suprised if someone got turned down for a mortgage because they bought a few lottery tickets.

In terms of your other question, i cant answer - im sure one of the brokers on here will be best place to advise you on paying the dmp for your mother

simples23

Thanks.

Hopefully then the transactions won't be held against me!