Mortgage offer and need loan

spud73

I’m due to move into a new property in 3 weeks and need to apply for a loan to pay for things like carpets etc. 
I am worried about applying through my bank although would prefer this as wondering if I get turned down or not will it effect my mortgage coming through. My bank don’t do a soft search.
I tried ringing them and they couldn’t really give me any answers as to if it could impact my mortgage. I have an offer but it’s not drawn down yet. 

Also done a soft search on Credit Karma and came out at 100% for some companies. Does that mean I’m guaranteed to be accepted with those so less risky?

[Deleted User]

Don't apply for any credit until you're completed.

spud73

I have to I’m aftraid as I need to buy carpets, blinds and pay for a stairlift. Also need to know that I can afford things like removal firm etc. Could it put my mortgage at risk? 

spud73

Or would credit card be better? 

impoverishedtraveller

spud73 said:

I have to I’m aftraid as I need to buy carpets, blinds and pay for a stairlift. Also need to know that I can afford things like removal firm etc. Could it put my mortgage at risk? 

Yes… until you have completed, nothing is set in stone.

spud73

Ok will just have to wait till completed but what do I then do if I can’t get a loan to buy carpets etc 

MovingForwards

You make do with whatever is in the property until the amount is saved up.

Buying on credit for a new home is the quickest way most people get into debt as it all escalates.

Brie

spud73 said:

Ok will just have to wait till completed but what do I then do if I can’t get a loan to buy carpets etc 

I'm afraid you will need to wait until you have the cash, available credit on a card or are eligible for a loan.

spud73

can’t can’t do that as as it’s a new build and doesn’t have flooring- I thought I’d have enough but my mum who was gifting me the deposit is ill in hospital so I’ve had to find more than I thought. Also need stairlift fitted. Might just have to take a chance on it

Brie

is getting more on the mortgage a possibility?  It's not like it's a consolidation of debts with the mortgage at this point so might be considered more acceptable.  

Is there anything possible via the construction company? 

I quite get the bit about needing carpeting in place prior to fitting a stairlift.  Easier to bolt through the carpet than try to fit the carpet around the footings.

spud73

Thanks I do need stairlift in place- I could possibly ask mortgage company but seems a bit late now- all this has changed in last month. Need somehow to borrow/find an extra 5,000 to cover everything!