Help: Is my mortgage offer at risk?

tocs23

I received an AIP from Halifax a couple of months ago and have since put in an offer on a house. Through a stupid oversight, last month I paid under the minm required on my Halifax c/card. As soon as I realised (on receipt of this month's statement) I contacted Halifax who have waived any charges due to my otherwise blemish-free payment history. I have also brought the account out of arrears and on their advice submitted a notice of correction to Experian & Equifax (though the 'default' is not yet showing on my report).

Do I have any hope of getting my mortgage application approved with this on my report?

matttye

You won't have a default, you'll have a missed payment marker.

I don't think one missed payment will have a significant effect.

Eonel

I would not expect it to be a major problem. It is not a default, it will be a single late payment marker at worst. If Halifax do ask questions, then explain that it was just a stupid oversight. We do all make mistakes from time to time.

The timing is unfortunate as it only happened this month. If another month or two elapses, then with an otherwise unblemished credt record a single late payment marker is of very little consequence.