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Halifax Mortgage Application

Hi we have seen a house we love, had an offer accepted, mortgage application going in tomorrow with Halifax, I have a default from June 2014 for £48 for a mobile phone from Orange, everything else on my credit report is good but my score is low. My husband has an excellent credit report. Affordability is not a problem, we just need to pass the credit check, deposit 5% and husband is self employed. I'm employed. Wish us luck, will post updates as they happen :o

Comments

  • ethank
    ethank Posts: 2,197 Forumite
    Holiday Haggler I've been Money Tipped!
    I doubt this will have an impact - but best speaking with a broker
  • george4064
    george4064 Posts: 2,953 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ethank wrote: »
    I doubt this will have an impact - but best speaking with a broker

    Seconded, go speak with a broker as they are much better at taking your circumstances into consideration when finding the right mortgage for you.
    "If you aren’t willing to own a stock for ten years, don’t even think about owning it for ten minutes” Warren Buffett

    Save £12k in 2025 - #024 £1,450 / £15,000 (9%)
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