Scared about my mortgage application.

Harryp_24

I have my mortgage app on Thursday. I literally can't sleep.

I'm 25 ft band buying on my own taking out a mortgage of 150k with a deposit of 37k. My dip was fine but this past week my best friend had his stag do that I was best man at. I ended up having to take £120 out to pay for the night including two taxis that cost 70 quid! How badly will this show to them? (I've read bad stories about taking money multiple times in one night)

I have had a +£2500 to my account in the last 3 months from wages will also putting £2100 into my isa so i have saved 4600 in 3 months while also paying car insurance (600) prime (79) and rent to my mother (500). Will they take into account how much credit is in my account each month over these night out spendings?

Just scared to death I'll get declined

Harryp_24

I wrote this on an iPhone sorry for grammatical/spelling mistakes.

Lioness_Twinkletoes

You need to get a grip - you are massively overreacting. Mortgage companies don't like applicants taking on more debt but you are allowed to spend your own money.

Besides, if you get turned down it's hardly the end of the world, is it?

Mrs36

You are overreaacting and you do need to be more pragmatic about this, this is only the start of a long journey buying a property.

If you can't sleep now, how will you be with the wait after you've submitted your application, or waiting to hear if your offer has been accepted, or waiting for the valuation/survey to be approved, and all the waiting that goes along with buying a house?