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    • Firsttimebuyers
    • By Firsttimebuyers 7th Dec 17, 9:42 AM
    • 158Posts
    • 160Thanks
    Credit Card Balances whilst waiting to complete
    • #1
    • 7th Dec 17, 9:42 AM
    Credit Card Balances whilst waiting to complete 7th Dec 17 at 9:42 AM
    Just after a bit of advice from anyone who may have been in the same position.

    We're FTB, and do have a bit of CC Debt which was declared on the application (all 0%) but I also have a card which I use for groceries and clear each month - this wasn't on the application as it's never running a large balance - I just prefer to use it, rather than a debit card, for online grocery shopping.

    Depending on the time of the month the CRA are updated, it can appear the card has a balance - will this be an issue if they credit check me on completion? Lender is Natwest.
Page 1
    • YHM
    • By YHM 7th Dec 17, 9:48 AM
    • 512 Posts
    • 191 Thanks
    • #2
    • 7th Dec 17, 9:48 AM
    • #2
    • 7th Dec 17, 9:48 AM
    Wouldn't be an issue, especially if when bank statements are supplied the underwriter can see it being repaid in full
    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
    • Firsttimebuyers
    • By Firsttimebuyers 7th Dec 17, 9:50 AM
    • 158 Posts
    • 160 Thanks
    • #3
    • 7th Dec 17, 9:50 AM
    • #3
    • 7th Dec 17, 9:50 AM
    I did think that, and we actually bank with NatWest - I've just been a bit wary about using it as I'd rather not run into problems on completion! - thanks
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