Mortgage chances

User050920

I have been in my overdraft for a couple years but managed to clear it 4 months ago. I have also built a house deposit whilst being in my overdraft and coming out of it. The account I was in overdraft was closed down straight away when I came out of it.  So my actual main account has never been in overdraft , where my salary comes in too. Just wondering how much this will impact my mortgage chances? 

My experian credit score is 999 now too

shakAFC

Is the overdrawn account on your credit file? 

mortgagetakingages

We're you in your overdraft or over your overdraft?

User050920

mortgagetakingages said:

We're you in your overdraft or over your overdraft?

It was an arranged overdraft 

User050920

shakAFC said:

Is the overdrawn account on your credit file? 

Yes but its not highlighted as bad - as it shows no missed payments and now it just shows as an account which is closed 

shakAFC

User050920 said:

shakAFC said:

Is the overdrawn account on your credit file? 

Yes but its not highlighted as bad - as it shows no missed payments and now it just shows as an account which is closed 

I think you should be ok, as it’s closed also.

mortgagetakingages

User050920 said:

mortgagetakingages said:

We're you in your overdraft or over your overdraft?

It was an arranged overdraft 

This will have little if any impact