Hi
Looking for some advise as a first time buyer, have a decision in principle/AIP whatever you want to call it. Offer accepted on a house and just starting the rest of the process now. However, I'm starting to worry that a mortgage will be refused when it comes down to it.
My credit score is 449/1000, I have zero debt, I don't own store cards or credit cards, I don't have store credit, finance on cars or furniture etc. I never buy what I can't afford. I have two phone contracts direct debit coming out each month, £10 DB per month to specsavers and then the usual house insurance which I pay annually, Netflix, prime and Disney+. Will this all go against me do you think? I'm buying with my DP who is in a similar position credit wise if that makes any difference.
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Mortgage freak out
15 replies
Jillybean13 · 24/11/2021 09:55
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