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Has my husband ruined our chances of a mortgage?!

shopaholicno1
shopaholicno1 Posts: 133 Forumite
in House buying, renting & selling
We have just got our mortgage offer in principle through a broker. Today, got our offer accepted on a house, so next step is to apply for the mortgage.
Husband had just casually mentioned he closed our old joint account this morning!! :eek:

I can't believe he did this at such a crucial stage!

What are the chances it's ruined us getting this mortgage now?
«1

Comments

  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    There's no harm in closing old dormant bank accounts.
  • shopaholicno1
    shopaholicno1 Posts: 133 Forumite
    That's great! We only recently stopped using this account (4 months ago) I was concerned that it'd knock 'points' off our scores and be seen as a negative factor
  • ACG
    ACG Posts: 24,991 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    I think you can let your husband off the hook. I am sure that will not be a problem.
    I am a Mortgage Adviser
    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.
  • [Deleted User]
    [Deleted User] Posts: 35,383 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    It will undoubtedly knock point off your score, but then so does breathing, the weather and the colour of your socks.

    That is why no one sees or cares about the score.
  • shopaholicno1
    shopaholicno1 Posts: 133 Forumite
    My husband called our broker who confirmed what you're all saying. He is off the hook! :D
  • AnotherJoe
    AnotherJoe Posts: 19,622 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    I think government officials will be along tomorrrow to forcibly expel you to North Korea for sucha heinous crime as closings a bank account you don't use.

    Please also don't think you have to live on beans and toast from Aldi for the next 3 months in case they noticed you bought avocado from Waitrose two months ago.
  • ACG
    ACG Posts: 24,991 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    AnotherJoe wrote: »
    they noticed you bought avocado from Waitrose two months ago.

    If you do that, you can not breath for 4 weeks in order to balance everything out.
    I am a Mortgage Adviser
    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.
  • DaftyDuck
    DaftyDuck Posts: 4,609 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    .... if you've been living off Aldi beans, you won't want to breathe for four weeks....

    Give hubbie a break, you too., buying is stressful enough. Now, Aldi wine, that I can recommend! :D
  • Smodlet
    Smodlet Posts: 6,976 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    So long as it was an unused account and hubby is not planning on emigrating without you, I think you can stop boxing his ears. :D
  • LandyAndy
    LandyAndy Posts: 26,377 Forumite
    Part of the Furniture 10,000 Posts
    shopaholicno1 wrote: »
    My husband called our broker who confirmed what you're all saying. He is off the hook! :D


    He was never on the hook!
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