HELP & advice needed Late payments with hbos - halifax mortgage app

Fiestagga

Hi,

My wife and I are recently married. We have kept our finances seperate.
She owns her current home and we are doing a part exchange. Due to trade in and cost of new home it's 90 LTV. New home is 130000. , so mortgage 117000.

She is the main earner (47k) while I'm on 19k.

I've just seen that I have 2 missed payments in last year with bank of Scotland CC. My credit score with experian is 981. These are marked as 1. My fault, dds never went through but paid in resubmission.

I recently had a family member offer and accepted to pay my credit cards off for me (but my wife is unaware)

We are applying to halifax and we've had our Mortgage agreement but not got to document stage.

I also have went to limit but not too close to overdraft.

Can I ask other people's experiences and advice on what I should do or what is likely to happen.

Thanks

bigadaj

Probably worth flagging up and discussing with them. Would have thought that mortgage would probably go through purely on your wife's earnings as it s less then three times, so your record might be incidental.

Given its a part exchange and presumably a new property your buying I would double check the valuation is ok with the lender, and there aren't any incentives that haven't been declared or that aren't justifiable.

Being in overdraft isn't great so sounds as though you need to pay more attention to your finances in general.