We are looking to move house. I have one default from a credit card. This missed payment wasn't highlighted at the time but has now been settled (june23). We have a mortgage with Hal fix. We had an aip with them. Mortgage advisor has said after submitting application that they have come back with a lower loan amount and want a higher deposit. This is fine. Application is now with the underwriters. Is this likely to be accepted? Have they completed their checks to lower the amount?