Klarna/clearpay and mortgage offer

[Deleted User]

Hi all Me again, I've posted quite a bit over the last week or so and I am here once again asking for your kind advice

I have recently sold my house and my previous mortgage was with Halifax. I am porting over my mortgage to new house with Halifax.

On my application I declared all my credit payments ( which have since all been paid off in full). I went through my credit file to ensure I didn't forget any and any ones that I did forget I have since added. I was approved and received a full offer. I have now exchanged on the house and am due to complete 24 June. The only problem is I forgot to declare a Klarna balance of £45 that I had at the time. It was paid off in time but just forgot to mention it. I am aware that Klarna do not do hard searches so this would not have appeared when they searched me. I also have a few Klarna and clear pay payments for buy now pay next month from oct to jan but they were all paid off in time before my application was made. My question is, will this look bad in the event of an audit? The amounts were not very high, with the highest being 80 pounds and the others being around £15 and £45. There are approximately 8 payments made all together over a 3 month period that equates to around £300

I currently have zero debt on credit cards/loans etc, have a 70 percent ltv and a good credit score. Halifax said that I was an A pass on their credit scoring system and that I could have borrowed more. 

The only reason I use Klarna is so I can return products if they aren't suitable without having to wait for a refund, it is nothing to do with affordability. 

I was just wondering how it would look as I forgot to declare the 45 pounds one?

As mentioned above all had been fully paid off before I even received the full offer but just want to see how lenders look at these schemes. Will they be bothered? It will they just look at my affordability and see that all is ok?

Also in the event of an audit do they ask for 3 months payslips and statements leading up to the application or 3 months payslips leading up to the day they ask for them?  

I know that I have posted a lot this week about audits and I am fully aware that they are very rare but I just want to cover all bases so I'm prepared.

Thanks all for the advice given so far.

Thanks in advance. 

lonibra

3 forms of ID/address proof, 12 months bank statement, payslips, P60, employer letter, explanation for all debt and confirmation that you are not committing fraud.

[Deleted User]

lonibra said:

3 forms of ID/address proof, 12 months bank statement, payslips, P60, employer letter, explanation for all debt and confirmation that you are not committing fraud.

Brilliant thanks , all perfectly doable. Any advice on the Klarna/clear pay?

[Deleted User]

Hi experts, any thoughts on this? I've read that they are treated as any other loan/credit agreement but was just wondering how they judge them when looking at bank statements etc. Is it something they wouldn't bat an eyelid at if they are paid on time/cleared and for relatively low amounts?