Hi All
Any advice much appreciated.
Combined income of £85k, have a 20% deposit on a £390k house.
My issue is 14 late payments (12 &2) on 2 accounts. 13 are 1's, 1 is a 2. Absolute stupidity on my part by not setting up a DD. The earliest late payment is Dec 2009. We have a broker who has spoken to underwriters at Nationwide, Santander and Leeds (Leeds saw my equifax, only 3 1's show on that one) and they all think the payments won't be a problem and that we'd have a case to look at, but I'm terrified of making the wrong decision. Do any of you knowledgeable people on here have any suggestions or experience of these lenders and applications with late payments?
Many thanks
Any advice much appreciated.
Combined income of £85k, have a 20% deposit on a £390k house.
My issue is 14 late payments (12 &2) on 2 accounts. 13 are 1's, 1 is a 2. Absolute stupidity on my part by not setting up a DD. The earliest late payment is Dec 2009. We have a broker who has spoken to underwriters at Nationwide, Santander and Leeds (Leeds saw my equifax, only 3 1's show on that one) and they all think the payments won't be a problem and that we'd have a case to look at, but I'm terrified of making the wrong decision. Do any of you knowledgeable people on here have any suggestions or experience of these lenders and applications with late payments?
Many thanks