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PLEASE HELP mortgage advice needed ASAP!

Benant123
Benant123 Posts: 9 Forumite
in Mortgages & endowments
Hi All

My partner and I are in the process of buying our first home together. The mortgage advisor wants to see our bank statements (only 1). I have gambling transactions on mine would I be declined for this? I've never taken out a pay day loan, never gone over my overdraft limit and never been bankrupt.

Please could someone help as I am worrying!

Thanks

Comments

  • kingstreet
    kingstreet Posts: 39,315 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Varies from lender to lender.

    Is this "advisor" representing only one lender, or has full market access?

    If the former, ask them for their employer's attitude before investing time on a meeting.

    A whole market broker will have options.
    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.
  • Benant123
    Benant123 Posts: 9 Forumite
    kingstreet wrote: »
    Varies from lender to lender.

    Is this "advisor" representing only one lender, or has full market access?

    If the former, ask them for their employer's attitude before investing time on a meeting.

    A whole market broker will have options.

    Thanks for the reply!

    It's a help to buy scheme and all we have done is put down a £500 reserve for the plot! It's through Halifax I think. It was once in the month and was around £180. Do you think I will be declined for that?

    Thanks
  • David_White
    David_White Posts: 892 Forumite
    Fourth Anniversary 500 Posts Combo Breaker
    You'll be fine.

    If Halifax view the bank statements having a one-off bet shouldn't be a deal breaker.
    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.
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