Halifax mortgage application process

FTB90

I’m just looking for abit of advice from anyone in a similar situation.
im a ftb hopefully purchasing a shared equity property 50% share.
I had my AIP and then my Halifax mortgage application was submitted yesterday, I’ve had two hard checks and one soft affordability check.
my credit rating has a satisfied default from 5 years ago it’s due to drop of in May 2021, apart from that everything on my credit file is fine up until this week my credit score dropped by 10 points because I used £13 on my credit card which Is paid off (I was trying to build my credit score) however it’s now saying my hystotic balances are 1400% more than what they were 3 months ago.
the other score is green and showing me as using 1% of my credit utilisation does anyone have any advice with regards to this? Will it ruin my chances of getting the mortgage?

D3xt3r5L4b

No. Lenders don’t see the scores, ratings or (incorrect) utilisation percentages. 

cstar9

Have you had your offer from Halifax yet? Wondering how long they are taking to approve at the moment

FTB90

No still no offer we were told yesterday our application is with the underwriters 

Aqeelm701

Did your application go through? 

Aqeelm701

FTB90 said:

No still no offer we were told yesterday our application is with the underwriters 

Did your application go through or got rejected 

[Deleted User]

Aqeelm701 said:

FTB90 said:

No still no offer we were told yesterday our application is with the underwriters 

Did your application go through or got rejected 

They haven't been active for a month now. Unlikely they will come back and reply.