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Fretting over mortgage offers
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tb84
Posts: 5 Forumite
I scored 999 on Experian this year. I have not been in my overdraft this year and have a 15 % deposit plus an additional 15 thousand if needed.
I have opened a bank account in the last 3 months as I wasn't expecting to be in the market. I have a DIC through a broker but I am currently fighting to get the right paperwork for money laundering checks.
I have had debt on multiple credit cards, an overdraft, a loan and a career development loan in the last 9 years. Yet I have never missed a payment and the last of these cards was settled and closed December 2014. Everything else is settled. I have taken cash out on my credit card but only when I have lost my debit card and it was sorely needed. At the time I didn't know that may be a problem.
Is it likely that I will run in to trouble on my mortgage application?
I have opened a bank account in the last 3 months as I wasn't expecting to be in the market. I have a DIC through a broker but I am currently fighting to get the right paperwork for money laundering checks.
I have had debt on multiple credit cards, an overdraft, a loan and a career development loan in the last 9 years. Yet I have never missed a payment and the last of these cards was settled and closed December 2014. Everything else is settled. I have taken cash out on my credit card but only when I have lost my debit card and it was sorely needed. At the time I didn't know that may be a problem.
Is it likely that I will run in to trouble on my mortgage application?
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Comments
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No. No issues.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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