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Mortgage Application - Debts no longer on credit file.

jackjones01
jackjones01 Posts: 536 Forumite
Part of the Furniture 100 Posts Name Dropper Combo Breaker
edited 28 August at 9:10PM in Mortgages & endowments

I’m planning to apply for a mortgage, hopefully using a broker, within the next three months. I could borrow around £343k, but I only need £250k. I have around £8k of debt from a previous relationship that is no longer on my credit file. I’ve been making token payments to the DCAs for some time, hoping to get settlement figures, but that hasn’t materialised as the DCA won’t budge. 


These debts are being paid from a separate account, not from the account my salary or regular bills come from. I will, of course, be fully transparent with my broker, but I’m just wondering if this could potentially be an issue when applying.

Any thoughts would be very much appreciated. 

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