Loans and mortgage application

Jo1923

Looking to move house - wasn’t expecting things to happen so quickly tbh …anyway i had a re shuffle of finances in the last 12 months , took out a  3k loan to pay off some small bits , then wanted to clear CC so took out a small loan with monzo as good rate 4k and cleared all debts - then after xmas unexpectedly got a bonus so cleared all loans and debts …obv score dropped cause of the hard searches …but no adverse credit, LTV is 50 percent as have good equity - have in principle agreed, but will the underwriters question my loans and think i was “desperate” i just wanted to consolidate some small finance agreements ?

kingstreet

No. Probably not at 50% LTV.

Jo1923

thanks - my dec statement looks chaotic as money was coming in and out of all my accounts …as ai was paying off all little bits klarna etc - all zero and closed now , but it looks messy on the statement - although no bank statements requested yet just pay slips