Natwest application with payday loans present on file

Bobthebuildercanyoufixit

Hi All,

I am going to be putting an application through via Natwest but have payday loans shown on my credit file and my wifes.
we both have 4 used in the last 2 years but non in the last 5months. All payday loans paid off in full within a month of taking them out.
does anyone have experiences with Natwest and the use of payday loans or a similar situation to mine?
Also would anyone recommend a lender that would not mind the payday loans shown on credit file.
we have no missed payments, no defaults and nothing else on credit file. Credit file is 'good' for both

my wife and i have a household income just slightly under 60k. We have DTI of approximately 38-42. We are paying 10% deposit for a house worth £230000.

appreciate the help,
thanks

funky1471

Hi have you thought about using a broker? They would be able to point you in the right direction. Have you already done a decision in principle with NatWest?

MovingForwards

https://forums.moneysavingexpert.com/discussion/6257722/payday-loans#latest

Helps to keep to one thread as you put additional information in the other one.