can anything go wrong

chezbro

hi no nothing to hide the underwriters check everything just want to know if its ok to use my credit card again need to purchase something but its around £500

MadSebW

I had the jitters (and still do a bit) when first started trying to get our mortgage. We have nothing to hide, but i'm a rather negative person and i'm convinced they will change their minds just before we get the keys.

I think there is always a chance that things could go wrong. No matter what the situation or how good credit scores and documents are. But anything on their side of things are out of your hands, so stop panicking. If it doesnt happen, then it doesnt happen and you'll sort that out if it comes to that.

chezbro

its not a brand new mortgae its a second charge to buy a property abroad have i have paid of my mortgage on my business over here so want to invest my money into property instead of a pension

MadSebW

Yeah, i know that.. You said in your first post. But you asked if anything can go wrong and the answer is, yes it could. It doesnt matter wether you have a mortgage with them or have paid a mortgage off in the past. I don't see why it would go wrong at all.. But things are never ever 100% certain until you have the keys in your hand.

As for using your credit card, i wouldnt, just in case. But that's up to you. It would mean that you owe more again and will be different to what your application said. So just hold off for a moment.

chezbro

have you got you mortgagenow

MadSebW

In principle yes, but still waiting for the actual offer. It's been going on for ages now and i've gone from over excited, to not sleeping at night, to now boredom. I'm scared more that they will change their criteria before the offer is made and we have to go through it all again.

Good luck

chezbro

who u getting your mortgage with and why is it taking so long

mpsavuk

Why did you cough up the deposit without knowing the final outcome with C&g?

Bit of a risky strategy in the current financial climate?

MadSebW

With Leeds, and i think i'm not sure why it's taking so long. They kept requesting more documents and so once againwe are waiting to hear.

chezbro

paid deposit cause it was a bargain 20grand under value a repossion