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FTB Barclay mortgage application

2

Comments

  • kingstreet
    kingstreet Posts: 39,353 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes. We ask for an enormous list of stuff;-

    Payslips
    P60
    Accounts/SA302s/Acct's Cert
    Proof Of Deposit
    Gifted deposit letter/form
    Three months' bank statements
    ID
    Proof Of Address.

    but a lender may ask for one, single, latest payslip.

    We still have to hold it all on file though as it can be requested from us at any time.
    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.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    LucasH wrote: »
    I should have added that the final payment made in July 2018 was to a company called Cabot Finance. Essentially the debt was passed to them a few years ago - but again i have a letter from them to say its all paid off.

    If your debts were passed to a third party for collection. May not endear you to those particular lenders should you apply to them. Like elephants, lenders have long memories.
  • LucasH
    LucasH Posts: 72 Forumite
    Thrugelmir wrote: »
    If your debts were passed to a third party for collection. May not endear you to those particular lenders should you apply to them. Like elephants, lenders have long memories.

    Thats ok then, the debts were passed from HBOS a good few years ago now.

    Were looking to get signed up with Brclays
  • LucasH
    LucasH Posts: 72 Forumite
    UPDATE!

    05/09/18 - Got my DIP/AIP from Barclys
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Second Anniversary
    LucasH wrote: »
    UPDATE!

    05/09/18 - Got my DIP/AIP from Barclys

    Congratulations! :D

    Now for the exciting part ...:T
  • LucasH
    LucasH Posts: 72 Forumite
    I'm so nervous about this part :(
  • Teamocil
    Teamocil Posts: 122 Forumite
    Barclays have just given me a mortgage on one pretty average income and with a load of credit card debt. You'll probably be fine.
  • LucasH
    LucasH Posts: 72 Forumite
    Teamocil wrote: »
    Barclays have just given me a mortgage on one pretty average income and with a load of credit card debt. You'll probably be fine.

    Thank you for putting my mind at ease. Did they request additional information?
  • LucasH
    LucasH Posts: 72 Forumite
    Teamocil wrote: »
    Barclays have just given me a mortgage on one pretty average income and with a load of credit card debt. You'll probably be fine.

    Also, how long did it take from submitting your full application to getting approval with Barclays?
  • System
    System Posts: 178,380 Community Admin
    10,000 Posts Photogenic Name Dropper
    Teamocil wrote: »
    Barclays have just given me a mortgage on one pretty average income and with a load of credit card debt. You'll probably be fine.


    Heya would you mind disclosing what counts as a pretty average income and how much credit card debt you had?
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
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