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Agreement in principle, 6 missed payments a year ago?
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Danielle1985x
Posts: 29 Forumite
My broker has got me an AIP with a LTV of 72% even though I had 6 missed payments last year. I am a little surprised but they said that as they carried out a credit check all will be ok?
Has anyone been in a similar situation and got their mortgage approved?
Has anyone been in a similar situation and got their mortgage approved?
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Are the six missed payments visible on the credit file produced by the credit reference agency used by the mortgage lender?I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0
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They’re on all of my credit reports so yes.0
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Interesting.
On a current credit agreement at current address? Mortgage lender doing soft, or hard search?I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Current address but balance is at zero and has been for months. Not sure whether it was a soft search or hard search, what sort of thing shows on a hard search that wouldn’t on a soft search? I think I’ll ask this tomorrow, I don’t want to go any further and then get rejected.0
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Perhaps name the lender they are using and a broker on here will know if it's hard/soft and whether it fits the lending criteria0
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