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HSBC AIP with CCJ
Harrisona
Posts: 1 Newbie
Hi there, hoping I can get some advice here.
We are looking for a £250,000 mortgage and have a £50,000 deposit and we’re first time buyers.
Joint earnings are £53,000
Total on credit cards £6,000 paying £100 a month off the balance.
We’ve had a successful AIP for £250,000 with HSBC who I have banked with for around 15 years.
I have a satisfied CCJ for £689 from 2015. We’ve got no missed payments or other debt. I have a ‘fair’ Experian credit score and hubby has an ‘excellent’ Experian credit score.
How likely are we to be accepted at full application and how likely will the amount they’ll lend reduce? Should we go to full application and risk a decline or should we use a broker? We’ve been in touch with Dynamo brokers, any feedback on them?
We really really want the house we’ve found and are worried it’s not going to work out!
Thanks in advance for your help :beer:
We are looking for a £250,000 mortgage and have a £50,000 deposit and we’re first time buyers.
Joint earnings are £53,000
Total on credit cards £6,000 paying £100 a month off the balance.
We’ve had a successful AIP for £250,000 with HSBC who I have banked with for around 15 years.
I have a satisfied CCJ for £689 from 2015. We’ve got no missed payments or other debt. I have a ‘fair’ Experian credit score and hubby has an ‘excellent’ Experian credit score.
How likely are we to be accepted at full application and how likely will the amount they’ll lend reduce? Should we go to full application and risk a decline or should we use a broker? We’ve been in touch with Dynamo brokers, any feedback on them?
We really really want the house we’ve found and are worried it’s not going to work out!
Thanks in advance for your help :beer:
0
Comments
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Unless you're in no hurry at all, in your place I would go through a broker. HSBC might not be the most appropriate lender for your circumstances. AFAIK, banking with a particular lender or not makes it no more easier/difficult to get a mortgage from them.Hi there, hoping I can get some advice here.
We are looking for a £250,000 mortgage and have a £50,000 deposit and we’re first time buyers.
Joint earnings are £53,000
Total on credit cards £6,000 paying £100 a month off the balance.
We’ve had a successful AIP for £250,000 with HSBC who I have banked with for around 15 years.
I have a satisfied CCJ for £689 from 2015. We’ve got no missed payments or other debt. I have a ‘fair’ Experian credit score and hubby has an ‘excellent’ Experian credit score.
How likely are we to be accepted at full application and how likely will the amount they’ll lend reduce? Should we go to full application and risk a decline or should we use a broker? We’ve been in touch with Dynamo brokers, any feedback on them?
We really really want the house we’ve found and are worried it’s not going to work out!
Thanks in advance for your help :beer:0
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