I was told a DIP is not official and now I’m worried?

onwards&upwards

Saga said:

onwards&upwards said:

Falafels said:

Firsthomehope said:

So we have already been assessed and they have agreed. I obviously expect a hard check when the mortgage application is submitted but they already know about any skeletons as said by my mortgage advisor.

Neither of us bank with Halifax no

The hard check will be on the property rather than your good self. T

That's not true.  The check on the property is the valuation and/or survey. 

The 'hard' credit check is on the buyer's credit histories, and there is always a possibility that they will see something they don't like and pull the offer, but this is rare.  OP the kind of things they don't like are defaults, late payments, payday loans, gambling transactions and CCJs. 

Is the odd play of the Lottery (e.g. once every 6 months) going to count the same as a loan default or CCJ?

No, but spending £50 a month on it would not be a great idea.  

Firsthomehope

I asked the mortgage lender if they made the DIP knowing the issues with my credit and she said not to worry about it. She also said they look at the higher credit scorer which is my partner and his credit is perfect, our deposit is also a bit higher so perhaps this will help too. The house is a new build, but the last phase on a development. 

She also mentioned that they would probably want to see up too12 months of payslips just to prove I have been in employment (I’ve just been at my job a year next week, first job since uni)

onwards&upwards

Do you mean you asked your broker?  If you are using a good independent broker you don't need to worry, this is their job and they wouldn't have let you apply for a mortgage if they didn't expect you to be offered it.  Assuming you were fully upfront with the broker and they have seen copies of your credit reports?

kangoora

Avoid applying for new credit cards, loans, Hire purchase etc (both you and your partner). Obviously try to pay down any debt you may have as it will improve your affordability when they come to approve a full mortgage.

haras_n0sirrah

They don't go off the higher scorer? If your job is permanent it is 3 months payslips 
With Halifax on aip they go back 3 years but the hard search on application goes back 6 which is why it asks to declare defaults and Ccj's in the last 6 years on dip as the computer wont pick it up at dip stage on the initial aip if over 3 years old. 
As long as any adverse in the last 6 years has been declared then it should be fine