Mortgage Application - Co-Ownership

Cargsy

Hi,

I have applied for a mortgage with Danske Bank for 50% of a house at £124,950 through the Co-Ownership scheme in Northern Ireland.

I am a Civil Servant and out of probation and am applying for the house by myself as my partner has recently went self-employed and must wait a couple of years before she can be added on.

I received by offer from co-ownership last week for one half of the house. This was very straightforward with no issues at all.

My main concern is that I haven't been saving particularly well and finished last month with £22 in my account before payday.

I have managed to pay £1200 off and clear a credit card this year and my credit score with Experian (who I believe are used by Danske Bank) is 982.

Saying that, I have not been in my overdraft for about two years and have a savings account with a tiny bit in it.

What do the experts on here think my chances are? I am worrying quite a bit just due to the fact that I am applying for it myself.


Thanks in advance,