mortgage acception and criteria

peppapig14

we were accepted with nationwide for a SIP which expired in November. we couldn't find anywhere and moved renewed our rented agreement on the basis we would wait another year.
however the perfect property has now come on the market and our offer accepted
I have not kept my bank statements pretty ( lots of buying over Xmas, meals etc) but always had a large sum in account merged with savings
Would this affect our chances of being 're accepted for a mortgage?

Moneyminded

Affordability for a mortgage is based on your credit history, any CCJ's, bankrupcies, etc and credit utilisation. Assuming you haven't taken out a loan, ran up loads of credit card debt or missed any payments since November you should be fine. As long as you still have your deposit money to prove funds the high spending around Xmas should have minimal impact. 
Good luck with your house buying journey

Sncjw

I didn’t have to show bank statements when I’ve been to see the mortgage advisor. Also on dip it will say what documents you need to provide. I was only asked for payslip and my pip letter

[Deleted User]

As long as the spending wasn't totally ridiculous (e.g. high gambling or causing your bills to bounce) then very unlikely to have an impact.

You may get asked a few queries off the back of the statement conduct - for instance, if you spend £200 on the trains, they might want to check that's not a regular travel cost to work, but shouldn't adversely affect it assuming the account was kept in order throughout.

As above, they may not even ask for any statements depending on the risk of the case (although that's probably only if you already bank with them, and they can just dip in to see your conduct/salary etc)