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Paranoia or bad credit
Tomg84
Posts: 62
Forumite
Hello all
Hope you all can give some advise. Shortly me and my wife will be applying for a mortgage (help to buy with 5% deposit) we do have a couple of blips. The paranoid me thinks these might scupper a mortgage but I’m probably overacting. To summarise for my wife:
One late payment in 2013
One late payment in 2014
Both for less than £50 for a catalogue
And for me a late payment on a bank account in 2013 due to exceeding overdraft by less than £50
Any thoughts?
Hope you all can give some advise. Shortly me and my wife will be applying for a mortgage (help to buy with 5% deposit) we do have a couple of blips. The paranoid me thinks these might scupper a mortgage but I’m probably overacting. To summarise for my wife:
One late payment in 2013
One late payment in 2014
Both for less than £50 for a catalogue
And for me a late payment on a bank account in 2013 due to exceeding overdraft by less than £50
Any thoughts?
0
Comments
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Should be fine with most lenders I think.I am a Mortgage AdviserYou 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.0
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From a non-mortgage advisor point of view, I understand this should be okay! My credit history was far from perfect, however, here I am now a happy home owner. Good luck
:jFinally going to be a homeowner:T0
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