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Halifax Mortgage - After PaydayLoans

Nervous1234
Posts: 77 Forumite

I have recently applied for a mortgage with Halifax after having 6 payday loans in the last 12 months.l - last one was February. All paid on time and settled early. It was around Christmas time and I knew I could pay them all off in March early when I got my annual bonus. At this time I wasn’t planning on moving home but due to a change in circumstances now need to. The AIP and mortgage application have now been completed and I am just waiting for the mortgage valuation. I have no debt apart from my current mortgage and a 20% deposit - equity used from my current home. I have used a mortgage broker and they say everything is fine but just need a bit more reassurance. I’ve seen others have been successful with Halifax. My credit rating is excellent now and I have never missed a payment. Has anyone been in a similar situation and everything was ok? Thanks
Aim to pay off £13,000 by December 2024
£1,208.22/£23,059 #26 Pay All Your Debt Off By Christmas 2024
2024 £1 a day savings challenge - £98.43 2024 52 week challenge - £120.37
22/20 February No Spend Days 20 Target 20/23 March No Spend Days 23 Target 7/22 April No Spend Days 22 Target (excludes direct debits, standing orders, debt and savings payments)
£1,208.22/£23,059 #26 Pay All Your Debt Off By Christmas 2024
2024 £1 a day savings challenge - £98.43 2024 52 week challenge - £120.37
22/20 February No Spend Days 20 Target 20/23 March No Spend Days 23 Target 7/22 April No Spend Days 22 Target (excludes direct debits, standing orders, debt and savings payments)
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