Bluestone Mortgages

Kb21

@hopeful89 I think it’s just to checking nothings flagged up on your credit file since they last checked (like u haven’t taken credit out or missed any payments) since they checked First. See it as positive 

Hopeful89

Kb21 said:

@hopeful89 I think it’s just to checking nothings flagged up on your credit file since they last checked (like u haven’t taken credit out or missed any payments) since they checked First. See it as positive 

Thank you, I will  

Barry627

Kb21 said:

@pipsinbrum yes they have had everything bar blood from us 😂. 

What sort of stuff do they ask for apart from bank statements etc

Kb21

@barry627 we are self employed so asked for 3 years tax overviews, proof of our rent we pay, we had to write a letter to say about why we had the debt on our credit file (we only have one default nothing else but had to write why we had it) giftors letters, proof of the deposit in their bank accounts as well as 2 forms of proof of id from giftors, proof of our deposit, 3 months bank statements for business and personal. Thursday  was the last time I sent anything over so hoping that’s all they need now 

Kb21

Anyone know the success rate of bluestone? I heard it’s quite high 

pipsinbrum

@barry627 the standard bank statements, payslips. Why i use PayPal so much, do I pay childcare costs, what did I have for dinner last Tuesday🤣
Basically EVERYTHING!!! My MA says as long as you have a supporting answer you will be fine. I'm even doubting the take-aways i paid for via PayPal now 🙈

pipsinbrum

Kb21 said:

Anyone know the success rate of bluestone? I heard it’s quite high 

I'm jumping onto this x

Kb21

@pipsinbrum honest I feel like they are gonna ask me what I had from  dominos next 😂😂 let’s hope it’s worth it thou 

MovingForwards

It's quite a high success rate with them, I've only read about a couple not getting an offer, I don't think that was on MSE.

As I keep saying, have faith in your broker s/he's placed you with them and is confident it will go through.

FirstTimeBuyer428

Hopeful89 said:

Anyone had soft searches done on their credit report after a hard search? I’ve had soft searches toward the end of the month every month since Jan but had a hard search done 15th March and then soft searches done 26th Match. Assuming it’s an automatic thing? 

I had 2 searches on the 3rd Feb, then a hard search and another 2 searches on the 9th. My MA came back to me last week with a question, this was supposed to be satisfied with the lender before I even applied, still not heard anything at the moment though. Fingers crossed