Will this affect us in 2 years?

Billsown

Hi, 
In April we decided tihat we would apply for the 3 month mortgage holiday due to both of our jobs being affected by COVID-19. We discussed this with HSBC and felt it was the right decision. We know that it won't adversely affect our credit file, however we are aware that it could be taken into account if we apply for a mortgage in future as an internal scoring question etc. 
We are hoping to move in 3 years when our others debts are repaid. Providing that we gotten back on track following our mortgage holiday, would you envisage that it could stop of from obtaining a future mortgage in the future?

dimbo61

So your going to make up the missed mortgage payments and Interest plus clear other debts within 3 years ?
Can only help but for now spend little and save where possible.
Contact car insurance " Hi not at work so not using car much can you reduce premium "
Same with everything else 
Home cooking and cheaper shopping 
3 years is a long time 

Durban

I don't know how it will affect you in 3 years time but I have just applied for extra borrowing on my residential mortgage and one of the questions they asked me was if I had applied for any mortgage holiday's due to Covid?

Luckily I hadn't.  Personally , I didn't trust them at all when they said that it wouldn't affect future borrowing.