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Halifax Mortgage - recent late payment
epatch1990
Posts: 3 Newbie
Pleaseeee help!
My partner and I have had an offer accepted on a property at £475k, our broker got us a DIP yesterday however last night I checked my credit on transunion and a late payment is showing up for last month. I’ve checked my account and there is £2 outstanding. I’ve tried to pay it but I can’t online so will call today. My question is, will this jeopardise our chances of getting this mortgage?
We’re paying 15% deposit. My partners credit is squeeky clean, he has a car on finance with around £25k left, I have around £3.5k on credit cards. Our joint income is £130k.
Got myself in a real state about this, please help!
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Comments
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Nobody on here is likely to know.0
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This is a question for your Broker who knows your case and the Lender chosen at this stage.
If your credit file is showing a missed payment for last month it could cause an issue at full application stage. How it can be dealt with depends on the Lender. You have a sensible explanation and I do not imagine it will be a barrier to lending at standard rates on the market, it may be a barrier for certain Lender's however.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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