Revolving credit use before completion

BW1990

Hi all

I'm having a FTB panic!

I am buying a new build. Exchanged a while back, due to complete end of June. I am due to pay £3000 in Extras to the builder before completion. 

When I submitted my mortgage application, I advised that I spend on my credit cards every month, but I pay the balance in full every month. This is all true. 

I wish to put the £3000 extras balance on my credit card the day before completion and pay it off once the statement is due - so up to a month later. I assume this will be OK as it's not out of my ordinary spending pattern (albeit the amount is about £1000 higher than I would normally spend on my card in a month). 

My mortgage will be with Barclays and I am just concerned they will do a credit search in the lead up to completion, and see I have a £3000 balance on my card, and revoke my mortgage offer - when I intend to pay the balance in full on receipt of my credit card statement, as normal.  

lorrenrm

go following as we plan to do the same. We made the assumption that the credit doesn’t actually go against you until it appears on the first bill. If you pay it off before then then it isn’t a problem. Our extras are to be paid on completion so I guess if they credit check before completion again they won’t know.