Re-mortgage - credit check before completion?

AFCChris

Hi

I am just about to re-mortgage to the Abbey National (due to complete on 2nd October). I received the offer on the 1st August.

Since I started the process of the re-mortgage and the Abbey did the initial credit check I have started a debt management plan (DMP) to help with my credit card/loan repayments. My payment record was impeccible before I started the plan but i started the plan due to the fact that paying all the bills left me with so little money.

Abbey did another credit check before I got the formal offer and it obviously all looking OK still and it didn't stop them offering, but now some of the late payments are being flagged on my credit record due to the DMP(I have access to all 3 major records) and I am wondering whether my re-mortgage will go through fine or if they will check the credit record before completion.

Anyone have any ideas if Abbey will do this?

Regards

Chris

Leon_W

Once they have offered, it is in my experience, that lenders do not go back to re-check.

Keep your head down and best of luck !

AFCChris

Thanks for your response. I'm just so worried that if they check again they won't lend to me. With my debt management plan it's important for me to get this mortgage through as I've managed to get a rate that's actually lower than the one I got 2 years ago!