We have joint mortgage promise from Halifax. I can see from my Experian report that they have viewed my credit report but don't know if this was in full or not.
The issue is that I have five settled accounts with differing dates. All were paid in full via payplan but when I had any extra money I would pay additional amounts to the creditors direct. This means that the five accounts all have different dates, from 2009-2012. There were no defaults and all are marked as settled.
Does anyone know if Halifax will know this already or will this not be discovered until full application is made? It would be useful to know as could ask Hubby to apply as sole applicant although this would seriously increase mortgage payments as would reduce length of mortgage.
We have 19% deposit and no affordability issues.
The issue is that I have five settled accounts with differing dates. All were paid in full via payplan but when I had any extra money I would pay additional amounts to the creditors direct. This means that the five accounts all have different dates, from 2009-2012. There were no defaults and all are marked as settled.
Does anyone know if Halifax will know this already or will this not be discovered until full application is made? It would be useful to know as could ask Hubby to apply as sole applicant although this would seriously increase mortgage payments as would reduce length of mortgage.
We have 19% deposit and no affordability issues.