Unenforceable debt and a mortgage application

summerb64

JMA74 said:

Last thing you want is to apply to Barclays and get it declined based on historic data as then that declined application has to be declared on future applications.  What became easy to 'hide' is now something that has to be declared upfront.   I would absolutely avoid barclays in this case

Thank you for the reply JMA74 - appreciate it! I will make sure to do that, if the broker does come back and say that’s the best deal am I okay in just saying, listen I just want to avoid that lender due to the historic issue can we move onto any other lender? 

ACG

Yes, that will be fine.

summerb64

Okay so the broker has come back with a rate of 4.43 on a 5 year fix as I just wanted the security of stable payments for the next few years and don’t plan on moving. Said the lender was virgin money (hope they are good 😅). Said is finishing early today but will proceed with the AIP tomorrow morning so fingers crossed!