Halifax mortgage application

UnorganisedGirl · 7 February 2014 at 4:31PM

I received a DIP from the halifax for 190K. I have applied for £104k. I appear to have passed a credit check and all they have asked for is my payslips. I have an overdraft of £2280 on my current account with BOS which I have accidently gone over on a few occasions although rectified immediately and its not reported to the CRA. Will they know this by now?

This is a single application for 90% LTV. i earn £38000 a year.

Wh05apk · 7 February 2014 at 5:00PM

I think you are worrying too much, you should be fine.

Keekles · 7 February 2014 at 5:03PM

Halifax are one of the more flexible lenders and I highly doubt you'll find they'd accept at AIP stage if the overdraft was an issue in any way.

UnorganisedGirl · 7 February 2014 at 5:04PM

^^ you sound like my broker. He asked me if im keeping a previous bankruptcy a secret.. if not go have a glass of wine and calm down. haha!

Thrugelmir · 7 February 2014 at 7:48PM

Even if your overdraft isn't being reported to the CRA's. Possibly due to the account predating the time authority was sought to report such data. Halifax and BOS are part of the same group. So internal checks will highlight the overdraft.