HSBC self employed & some debt..what are the chances?

katiescotland88

Hi, I am looking for some information about our chances of getting a HSBC mortgage. I work in the NHS part-time and I am also self employed (2 years books). My husband is self employed, director of LTD company. 
We recieved our Agreement in Principle for the amount we want  on 03/08/20, full application submitted on 14/08/2020 via a HSBC mortgage advisor. Our application is with the underwriters. Im so nervous about it not going through because of our self employed status and some debt. Does anyone have any experience with this? 

Thrugelmir

Your personal circumstances are going to be different to other applicants. Makes the outcome difficult to forecast. 

katiescotland88

Thrugelmir said:

Your personal circumstances are going to be different to other applicants. Makes the outcome difficult to forecast. 

Thank you. I was just wondering if people had any positive experiences worth sharing 🤞

csgohan4

katiescotland88 said:

Thrugelmir said:

Your personal circumstances are going to be different to other applicants. Makes the outcome difficult to forecast. 

Thank you. I was just wondering if people had any positive experiences worth sharing 🤞

there have been several HSBC threads on here, bare in mind HSBC are among the strictest lenders around and your case is not standard or simple. 

Depending on your tax returns, and debt and company performance it will be all assessed by the underwriters,

Other people getting a mortgage with HSBC does not imply you will get 100% success. It is individual and specific, no one application is the same