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Panicking will this ruin my mortgage offer??
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scotgal30
Posts: 72 Forumite
I’m panicking and so worried.
I was due to pay my loan yesterday, I forgot to pay on time. Paid it at 8am this morning. Will this effect my mortgage offer I received with nationwide? My new build isn’t due to be ready until Jan/Feb/ March next year. I understand they will probably do another credit check at the time of sending the money. Will this completely ruin mine and my partners chance of having our dream home?
Is it worth calling the loan company and begging them not to record it?
I was due to pay my loan yesterday, I forgot to pay on time. Paid it at 8am this morning. Will this effect my mortgage offer I received with nationwide? My new build isn’t due to be ready until Jan/Feb/ March next year. I understand they will probably do another credit check at the time of sending the money. Will this completely ruin mine and my partners chance of having our dream home?
Is it worth calling the loan company and begging them not to record it?
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Comments
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You’ve paid within the month so don’t expect a problem here.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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 -
Thank you. I’m going to call them when they open at 10am, I’ve never missed a payment since I got my loan in 2014 so I’m so annoyed at myself. I over pay most months so it wasn’t even the full amount, do you think it’s worth calling them?0
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Panick over. They have a 7day grace period where they won’t record late payments.0
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consider a direct debit0
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good news, considering setting up a direct debit or standing order generally a day or 2 late isn't recorded but its not worth the worryI am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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 -
Why haven't you set up a direct debit or standing order ?0
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