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RBS mortgage?
Comments
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Passing affordability is one check.
Passing the credit check is another.
Passing the underwriters check is another.
You should not be basing your choice of lender on who will lend the most, but who is most likely to lend.I am a Mortgage AdviserYou 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.0 -
Ok. I'm not sure who is most likely to offer a mortgage I read lots of conflicting things. I have done the DIP with RBS which says they do a soft credit check so I'd hope if I only borrowed around 80% of what they say they will lend me is hope it would get approved0
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Excess/unauthorised borrowing charges, unpaids and overlimits are never well looked on by clearing banks.For late and going overlimits??
I have been in this situation for about a year or two, I am hoping to be clear for around 6 months before I apply for the mortgage but do you think I will struggle getting a mortgage with my poor history??
You should ensure your accounts are spotless for at least three months before you apply.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 -
Ok I'll try and make sure I'm clean for at least 3 months and see how i get on0
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