FTB with 4 yr old Elevate (Sunny) loan. Any chance of mortgage or straight decline? (Using HTB)

FTBMish

Hi. 
After a relationship break up i fell on hard times and used Sunny. I paid it off in 2 payments. I also one partial settlement showing on my account. No defaults at all though. 
Fast forward 4 years and all debts paid, only car lease and normal utilities etc I pay now. Credit scores good although I know this doesn't necessarily mean anything. 
My partner has a perfect history, excellent score, £1200 car finance left and no other debt. Was furloughed but went back to work in June. 
Salaries are 36680/27000 with 5% deposit already saved.
Looking for mortgage of £210000.
We excitedly applied for a mortgage via a broker who has passed it to Santander on 28th Sept (the are working on 14th Sept so its not been looked at yet)
I forgot about the Elevate loan until today so have emailed the broker.
Am I right in thinking we would be delined now? Wondering if we should be trying elsewhere?

Carl2510

I mean it’s certainly not good you left that vital information from your mortgage broker. I don’t know the criteria Santander use but it certainly won’t like something coming up when you’ve not declared it. Especially if it’s still on your credit file. Go over to the thread that haras_n0sirrah called “mortgage broker - ask me anything” and see if they can shed any light on it for you. You’ve done the right thing in contacting your MA. Hopefully you’ll get a prompt response tomorrow.  

hippocrates1

I didn’t think 95% mortgages existed?

Kiwistrawb1990

I used payday loans more than once in the two years before my application. Didn't apply with Santander but have a high street mortgage. I'm sure 1 payday loan 4 years ago won't matter. 

FTBMish

hippocrates1 said:

I didn’t think 95% mortgages existed?

Sorry I meant its help to buy so the 5% is added with the 20% so it would be 75% LTV

FTBMish

Carl2510 said:

I mean it’s certainly not good you left that vital information from your mortgage broker. I don’t know the criteria Santander use but it certainly won’t like something coming up when you’ve not declared it. Especially if it’s still on your credit file. Go over to the thread that haras_n0sirrah called “mortgage broker - ask me anything” and see if they can shed any light on it for you. You’ve done the right thing in contacting your MA. Hopefully you’ll get a prompt response tomorrow.  

Thanks
Have posted there too but no response. Hopefully there are other options if its a no go with Santander