Credit Checks Before Exchange and Complete

99 Posts

I have had my mortgage offer from Santander and I am waiting to Exchange and Complete.
Obviously there was the initial credit check after which I was approved but since then I have accumulated £2600 in credit card debt. This was because of some disastrous unforeseen circumstances. How likely is it that this will scupper everything and I fail to complete?
Obviously there was the initial credit check after which I was approved but since then I have accumulated £2600 in credit card debt. This was because of some disastrous unforeseen circumstances. How likely is it that this will scupper everything and I fail to complete?
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Do you not have any spare funds at all to clear it?
I've been unfortunate. By now I would've been patiently waiting to complete but I've relied on CCs mightily just to get by recently.