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Will this cause a problem
Sharpiejas
Posts: 26 Forumite
Hi,
We have saved 18k towards our deposit but I had a late credit card payment last year (September) which I forgot to pay on time and paid a week late. We have a joint salary of 79k. I have had a ccj from 9 years ago but no adverse credit since. My wife's file is completely clean.
Will that late payment cause a problem with our application?
We have saved 18k towards our deposit but I had a late credit card payment last year (September) which I forgot to pay on time and paid a week late. We have a joint salary of 79k. I have had a ccj from 9 years ago but no adverse credit since. My wife's file is completely clean.
Will that late payment cause a problem with our application?
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Comments
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Hi, will depend upon the lender. With most it is likely to be fine (other things being equal) although with some the recent nature of it may present an issue.
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 -
Thanks for the reply, we got an agreement in principle from Halifax for a 10% deposit. Two more months of saving fo us0
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