Halifax-porting and borrowing more

Supadupa

Hi,

I'm looking for a wee bit of advice before making a full application to the Halifax to port our current mortgage and borrow more for our new house purchase.

We have a decision on principle and will be looking to borrow around £100k less than the AIP will allow for and have a deposit of 19%.

When I got the AIP I didn't declare an outstanding £600 catalogue bill as I thought my husband had already paid it. Its not late or anything but they did want to know any outstanding balances that day regardless of whether they would be paid off in full. He will pay it tonight but I'm worried by not declaring before that it will cast doubt on our application.

We looked to move away from Halifax to another lender in Dec 2015. We were declined by another lender as hubby had a late loan payment on his file by one month, neither of us had realised and we consequently paid off the whole loan. We took a new deal with Halifax instead and all was well (no increased borrowing just a new fixed rate.)

I'm just feeling really nervous about the application having read horror stories where people get the AIP but are then declined.

I was planning on doing the application directly with the Halifax to qualify for £500 cashback but am wondering whether I should go through a broker I have used previously for peace of mind.

Sorry for rambling! Am I worrying over nothing or should I go to my broker?

Thanks