Mortgage advice

Slou123

Is there anyone fincancial here who can let me know if I have anything to worry about with my mortgage application please? Thank you

[Deleted User]

What specifically are you concerned about? There are several people on these forums who may be able to assist.

MovingForwards

The only person who can specifically talk about your application is the person who submitted it. What people can do here is talk generically based on the lenders criteria, as they've done with your previous posts.

It's hard but you've got to have faith in your broker that they've gone with the lender most appropriate for your circumstances and who they feel you've a good chance at getting the mortgage offer.

Slou123

Deleted_User said:

What specifically are you concerned about? There are several people on these forums who may be able to assist.

Thanks! We had our DiP accepted with Aldermore Monday. Full application gone in Wednesday. 

I am just worried about a few things. Apparently our affordability and credit matches , else we would not have got the DiP, but I’m just concerned about a couple of things that could jeopardise
1) I got an overdraft in May. £500. Used a little of it, but about three weeks ago it was paid off in full and closed. I also used my credit card but that was also paid off the same month and closed.
2) do they look at benefits/ take this into account ? 

3) affordability wise what is looked at? We are living out of boxes (due so solicitors messing about and hence why we are having to get a new mortgage) so things like Deliveroo are appearing on my statement a bit 

It’s funny, I had a bad credit history. And been clean for two years now and this is what I’m worried about!

Thank you For your time 

Shirley

[Deleted User]

Just bumping your post up so the mortgage advisors on these threads may be able to help!