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    • James94
    • By James94 7th Mar 18, 8:40 PM
    • 1Posts
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    • #1
    • 7th Mar 18, 8:40 PM
    7th Mar 18 at 8:40 PM
    Last edited by James94; 07-03-2018 at 11:07 PM.
Page 1
    • Fisa002
    • By Fisa002 7th Mar 18, 9:00 PM
    • 144 Posts
    • 61 Thanks
    • #2
    • 7th Mar 18, 9:00 PM
    • #2
    • 7th Mar 18, 9:00 PM
    I dont understand why you would keep this information from the broker. After all they arent the ones who are going to make the decision but merely will guide you to the right product and increase your chances of obtaining a mortgage. Always best to be open and honest from the start.
    As for will it make an issue I guess now theres only one way to find out. Wait and see.
    • Thrugelmir
    • By Thrugelmir 7th Mar 18, 9:25 PM
    • 58,946 Posts
    • 52,274 Thanks
    • #3
    • 7th Mar 18, 9:25 PM
    • #3
    • 7th Mar 18, 9:25 PM
    In May last year I sorted myself out and cleared everything.
    Originally posted by James94
    You did remarkably well to achieve that overnight. Some actions raise more questions than answers.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • enthusiasticsaver
    • By enthusiasticsaver 7th Mar 18, 9:51 PM
    • 6,608 Posts
    • 13,897 Thanks
    • #4
    • 7th Mar 18, 9:51 PM
    • #4
    • 7th Mar 18, 9:51 PM
    I am interested to know how you cleared it all in a month but if there are no defaults showing on your credit history you should hopefully be fine.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to
    • wantonnoodle
    • By wantonnoodle 8th Mar 18, 11:50 AM
    • 251 Posts
    • 171 Thanks
    • #5
    • 8th Mar 18, 11:50 AM
    • #5
    • 8th Mar 18, 11:50 AM
    Posting the original query from the cache, so that people asking similar questions can understand the advice given and also to put the rest of the thread into context.

    Me and my girlfriend are currently going through the process of buying a new house with HTB.

    My credit score now is excellent with Experian now. But up to mid last year I had an overdraft, 3 credit cards and a few payday loans to my name. And a very poor credit score. In May last year I sorted myself out and cleared everything.

    We have just had a mortgage in principle offered to us from Halifax for the 75% mortgage, we are just going through the wait of the help to buy forms been accepted and then our full mortgage offer will be put forward.

    We are using a mortgage advisor that has seen my credit report and not asked any questions so I havenít mentioned about it, are we going to be okay when the full application is processed or will this come back to bite me?
    Originally posted by James94
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