Mortgage offer soon?

ftbrob123

Will try and keep this short and to the point, just looking for someone to ease my mind.

Full mortgage app submitted through broker (Halifax mortgage) on the 08/06/20

Lender asked for my partner's P60 a few days after the application. (Not sure if relevant to my question)

Hard credit check on the same day as submitting application.

Valuation booked today. 

We are 1st time buyers, using help to buy loan so putting down 5% for deposit. I have several accounts that are 5 years+ old.No missed/late payments. No defaults or CCJ'S, only negative thing I can honestly think of is I took out various payday loans several years ago. The most recent one was over 4 years ago(hoping it wont be a problem) , the others are due to drop off credit report soon. 

I have about a 1500 credit card balance over 2 cards (limit of all credit is 8500)
Partner has a pcp of 140 per month. No other debts. My income is 38k on latest p60, partners is 21k on p60, so 59k combined. 

Borrowing 162k from lender.

So my question is if it has gone this far assuming the valuation is ok are we likely to get an offer from Halifax? 

Thank you.

Thrugelmir

Your broker will have placed your mortgage application with a lender who meets your circumstances. Unless there's something undisclosed there shouldn't be any reason to be concerned. Vast majority of applications encounter no difficulties.

ftbrob123

Thank you for reply. Just feel uneasy due to reading lenders are being more strict. What was acceptable yesterday might not be today. Fingers crossed though.

Thanks