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Do Mortgage companies look at your spending habits?
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Here's my sitaution:
I was accepted for a mortgage last year with Leeds BS.
I have a salary account which then feeds my savings account (saving £500-£1K a month).
I then pay my bills and put my spending allowance into another account.
My concern was that I generally spend the majority of that on crap, takeaways, games etc etc. I was worried they would see that and not understand that was my expendable cash for the month.
I explained that to my independant broker. Leeds BS asked for 6 months from that 'spare cash' account and 3 months from my salary account.
Purchase fell through in the end (vendor) so I've just started an application with TSB so hopefully they'll be the same.0
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