To book trip on credit card whilst in the process of buying a house?

That’s totally fine, just pay it off straight away? We took out a £10k car loan about a month before we applied for our mortgage - caused zero issues. Everyone here is being so OTT! We checked with our mortgage broker and he said it would be fine, and it was. And we both used our credit cards throughout, didn’t want to miss out on cashback and protection.

When I was applying for my mortgage, I used my credit card as my main means of covering all my daily expenses, and then paid it off each month. I never even thought that it would be an issue, and it wasn't. When I was speaking initially with the broker, he said it was fine as long as the balance was fully cleared each month.

That's just my experience though, and the majority of people here seem to have had a different experience, so I would be careful before proceeding.

To add to my previous post - I cannot understand why it is not made clear to the universe that this is how it works. I was never given this information and have taken out several mortgages in the past - I found out by accident. My son recently took out a mortgage, and he stopped using his credit card completely for 4 months to ensure that there was nothing showing on there.

Do they do another credit check before completion?

I wouldn’t, it might have no impact but I’d not want something like this to scupper anything. Think about the bigger picture.

Also - as soon as you get the house, you will find things that need to be put right expensively and immediately ….
save your pennies !

@Notquitefinishe similar situation for us, Halifax only approved our mortgage on condition “our debt to Nationwide was paid off in full” - I just have a credit card I use for day to day spending! I always pay it off in full each month, which they could see, but apparently still not happy about it.

It would never have occurred to me that that might be an issue. They literally stipulated I couldn’t put anything on my credit card between getting the AIP and completion date. Which has been an almighty pain honestly, I’ve had to change over all my default payment cards online.

So yeah OP, I wouldn’t. Stupid as it seems.

I wouldn't. Not worth the risk.

We were told not to take on any additional borrowing that was a new credit check (so no furniture on finance which apparently is a common thing people do!).

Using available credit isn't something we've been warned against (currently remortgaging) but we're not close to missing affordability. If your affordability is a bit tight, I've known friends be asked to clear credit card balances before completing.

We had a mortgage offer withdrawn over £2k on a credit card which was classed as undisclosed debt, even though it was put on the CC and paid off after the application and before the withdrawal of the offer. We just saw it as normal monthly spending. We could show we had always paid it off in full for years but they weren't interested. Obviously yours is a much smaller amount but I don't know where they draw the line.

They will look at outstanding debt. Even if payment is not overdue, it is counted as outstanding. Personally, I would not use my credit card at all whilst the mortgage is being organised, just to make sure it is not going to cause a problem.