Jumping on this guys! I’ve sat here and read this entire thread hahaha! I’m going out of my mind. So our journey so far - - £185,000 house - 25% deposit of 47,250 able to go to 30%Precise gave us a DIP for 150k but obviously we’ve gone for less. My credit score is poor 9 missed payments in the last 12 months but none in the last 6 months. No CCJS, defaults, or debt plans but have had pay day loans 😩😩 I have £500 limit on credit card and OD of £950 but everything else I have paid off! My partner on the other hand is squeaky clean. Excellent score, no missed payments does have a credit card with a limit of 5k but only has 1.6k spent on it so far always over pays on this etc. Joint income of 43k a year no car finance or any other bills other than phone billsWe are only 25, both been in our jobs for 6 years+ I’m absolutely sh***ing myself if I’m honest feel like they are going to ask me loads of questions on my bank statements. I can’t sleep it’s making me ill Full application sent on 26th Feb, they’ve asked for documents twice since. Last heard from them on the 5th. FINGERS CROSSED!!!
Thank you so much for the reassurance. They’ve come back today asking questions about my bank statements. Why does so much money go back and too between my Mum and me - I have basically been lending her money while my dads been out of work. They are in a much better position now so don’t need me. Asked about a DD bounce which there was a mix up with dates. So annoyed with myself because I’ve never missed a DD but it would happen once on the last 3 statements I had to send. Broker has said I’ve answered questions well and nothing has concerned her yet so fingers crossed!!
Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support