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Mortgage advice UK Bank Statements query. Underwriters advice needed ideally
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Hi there, I’m after some advise regarding my mortgage. I have a mortgage in principal arranged with my partner and we are in the process of sending over some bank statements to get the actually mortgage and I have a worry for a number of items on there.
1) Regularly small purchases. I had a good month of just being super lazy and buying my lunch every day, so the statement includes daily £3 Tesco or McDonald’s, the was 13 in a month. Likely to be an issue at all?
2) Money coming in - I coach grassroots football and I enter the team in summer tournaments. We fund this ourselves so I ask the parents of the kids I coach to bank transfer me either £5, £10 or £15 (depending how many tournaments there child is doing) and then pay the tournament organisers our entry fee. So I have quite a few small payments from personal accounts on there. A fair few are referenced tournament money etc so I could explain it and also they will see payments for referee fees (the clubs pay me, I then pay referees for the game) so the are some random payments in, will that affect? As I know the majority will only have money in from there salary/income. I have a fair few extras on there.
3) large purchases out - again related to football. I have quite a lot of purchases out of one off payments. Some are for the tournament entry mentioned above which are all around £60/£70, they have clear references on them. The worry is I also have payments to wish.com (the online shoppers) for £40 and £60. This is for equipment for the kids football and was funded by the money the parents paid me. I buy off wish because they are cheap for cones/bibs etc so I could show the mortgage advisor the order details if the required to prove I’m purchasing one off equipment for football, worried they will see and think I have a shipping habit.
4) - the final and most embarrassing one is I have some video purchases on there. Please don’t judge me for this. They are not pornographic in nature but are related to a fetish that is quite unique which I won’t go into detail. Looking through the statement, none of the purchases references show the details of the website purchased from but I’m just worried they will flag up. The is 9 purchases over the 90 day period, all for fees between £5 and £20, and some off them including Non-GBP transaction and purchase fees (all under £1) as they were American products purchased and downloaded.
Obviously having a partner I’m worried about these flagging up at all, so I was just after some advice regarding how likely they are to cause an issue.
A couple of other points. I’ve never been in my overdraft or close to zero in the past 3 months. Every month I have more money in my account at the end of the month than at the start. I don’t have any loan or credit card payments (I do have a credit card, but it’s value is £0 so I don’t have to make monthly repayments on it) the only
Outgoings that appear on all 3 months are my phone bill, a payment into another account which is purely a savings one, and a payment into a joint account out of which comes our rent (they have the details for the joint and savings account also but those don’t worry me as this is the only account I use for personal purchases, those aren’t touched)
Sorry for the long drawn out message and thanks for any reply. I really would appreciate feedback on all of the above. I don’t know if I’m worrying too much or the above is likely to actually be in an issue.
Thanks in advance for any reply.