Free Credit Report Quick
2010
Will I be approved for a mortgage?
I was given a mortgage in principle for £112,000. I have now made an offer for a house, and only need to borrow £104,000.
However, Im worried given the economic climate. Also I know they now have to do even further credit checks, and 5 years ago I had several late and missed payments on my credit report. However it has been perfect since then, except one late payment in the whole 5 years. I also have applied for several credit cards over the period (around 6), to juggle the interest-free promotions they give, but now only have 2. They all have £0 balances, and I have no other debts, but I’m worried the constant ‘footprint’ put on my file would have affected my chances.
The survey, I’m certain will be fine, as the house is fairly undervalued, due to them needing a quick sell.
Do you think I will be approved? Or is there a chance it could all fall through? As I am set to lose solicitor and survey fees if so.
Thanks!
In principle means they did a credit check first, the same happened to me as something came up but was soon rectified as I wanted to know how much I could borrow.
Free Credit Report Fact #12
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