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Applying for mortgage with missed payments. Advice desperately needed!
Comments
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Maybe he just said it to calm you down?
Maybe he thinks it is a full 6 year check?
There could be a few reasons but either way so long as you get the mortgage it doesnt matter. We see people on here with defaults, CCJs, late/missed payments galore they get mortgages at normal rates in a lot of occasions so you have nothing to worry about.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, 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 -
Thank you for your advice :-)
I suppose by googling "Declined mortgage missed payments" is only going to being up the unsuccessful ones and to be fair their deposit has been lower or they've gone for new builds or shared equity schemes.
Ill try to stop panicking :-)0 -
Why don't you use https://www.checkmyfile.com to get all three credit files from one place, then you get the full picture?
Don't forget to cancel any subscription before it starts.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, 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. Please do not send PMs asking for one-to-one-advice, or representation.0
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