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Credit history and mortage
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nickyg2000
Posts: 344 Forumite
Hello,
Having been unlucky we now have 3 hard searches from mortgage applications on houses purchase that fell through. I also paid for the valuation on my credit card as I was told this would have no effect of my credit score.
We are now apply for a new mortgage 4.6 x income and getting worried it will effect our application. btw its 61% ltv
Having been unlucky we now have 3 hard searches from mortgage applications on houses purchase that fell through. I also paid for the valuation on my credit card as I was told this would have no effect of my credit score.
We are now apply for a new mortgage 4.6 x income and getting worried it will effect our application. btw its 61% ltv
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Comments
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You have been unlucky, but eggs and omelettes as the saying goes.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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 -
;-s do you see it as being a problem? will we have to wait 6 months?0
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Can you save a bit more to bring the LTV below 60%? That may give you a better rate.
No idea re the hard searches question though, sorry.0 -
If you need a mortgage now. Have another score done now as required.
We don't know how tight your scoring is but we wont find out until you run a score.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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 -
Couldn't you use the same lender and just amend property details?0
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different lending amount different app0
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