spending whilst going through mortgage application

pamelab21

We are currently applying for a re mortgage with FD, we bank with them but current mortgage is not with them.
Other halfs b/day coming up and want to go out for meal (which we don't normally) and I really want to buy a rug for the house that has been out of stock for ages and is now available!
However we have the AIP from FD and have just submitted wage slips etc. Should I avoid all spending until FD have completed the application or am I being a little paranoid?
I am not talking about going into my overdraft for the above. The money is there, just don't want it to be frowned upon.

kingstreet

You do not need to worry about this.

Live your life and spend YOUR money.

pamelab21

thanks for that, just paranoid as you read so much about them looking at transactions and stress testing on higher rates etc, obviously if rates were to go up then we would reign in spending on non essentials but as long as they would look at it like that.


*isn't that typical, the item has gone back out of stock !

enthusiasticsaver

I would not worry about that. Normal spending is ok so long as the account is well managed which it is if it stays in credit or within arranged overdraft limit.