Advice Please.....
Me & my partner have applied for mortgage with Halifax we have both been approved for a promise on a 10% basis, my partner has two satisfied defaults both under the amount of £200 (both phone company's, one is cleared this year & one in June 2015 and a credit score off 870 & been in his job for 3 years, We have told the bank that we have had problems in the past but still approved.
We have put an offer in a house we will find out if we have the property on Tuesday, I was told by bank that at the mortgage promise stage they do a soft credit check & a full credit check in completion.
I'm worried that after the offer is excepted & we go a head with mortgage that they reject us for the defaults (would they see the defaults in the first checks?) I have also heard mixed reviews regarding this.
My partner is on a good income over £50,000 a year, has anyone been in this situation that can help!!!
Me & my partner have applied for mortgage with Halifax we have both been approved for a promise on a 10% basis, my partner has two satisfied defaults both under the amount of £200 (both phone company's, one is cleared this year & one in June 2015 and a credit score off 870 & been in his job for 3 years, We have told the bank that we have had problems in the past but still approved.
We have put an offer in a house we will find out if we have the property on Tuesday, I was told by bank that at the mortgage promise stage they do a soft credit check & a full credit check in completion.
I'm worried that after the offer is excepted & we go a head with mortgage that they reject us for the defaults (would they see the defaults in the first checks?) I have also heard mixed reviews regarding this.
My partner is on a good income over £50,000 a year, has anyone been in this situation that can help!!!