Folks,
Quick question re mortgage application so any advice/info would be appreciated.
Basically, in the next few weeks, I'll be submitting my mortgage application.
Affordability wise there's no issues. Credit report wise, no issues. Both are clear and credit report is very good.
However, there's one thing I'm slightly concerned about. Basically, for the last few months, I've been doing the national lottery online for my family. My mum's not well so she gives me money and i do it online for her. I also pay a few of her bills with my debit card and she gives me the cash. She doesn't have a bank account hence why I let her use my card.
A couple of her bills were to debt management companies (again, purely her and her name - my accounts and report is perfect) and the lottery (between hers, mine and my fianc!e's is approx £60 per month for euro millions, sat lottery, wed lottery, plus 5 etc).
The payments were one time payments to make sure her accounts remain up to date so no continuous payment authorities etc were set up.
Will this affect my application?
I've now stopped doing the lottery online (going forward) and she no longer needs to pay said companies using my card ( they've sent her giros now so she can pay at the post office).
Thanks for the help and advice!
Quick question re mortgage application so any advice/info would be appreciated.
Basically, in the next few weeks, I'll be submitting my mortgage application.
Affordability wise there's no issues. Credit report wise, no issues. Both are clear and credit report is very good.
However, there's one thing I'm slightly concerned about. Basically, for the last few months, I've been doing the national lottery online for my family. My mum's not well so she gives me money and i do it online for her. I also pay a few of her bills with my debit card and she gives me the cash. She doesn't have a bank account hence why I let her use my card.
A couple of her bills were to debt management companies (again, purely her and her name - my accounts and report is perfect) and the lottery (between hers, mine and my fianc!e's is approx £60 per month for euro millions, sat lottery, wed lottery, plus 5 etc).
The payments were one time payments to make sure her accounts remain up to date so no continuous payment authorities etc were set up.
Will this affect my application?
I've now stopped doing the lottery online (going forward) and she no longer needs to pay said companies using my card ( they've sent her giros now so she can pay at the post office).
Thanks for the help and advice!