Using arranged overdraft to pay my mortgage this month

[AllAlongIHaveLaughedWithYou]

Hi all. I have had a bit of a tricky month, ended up paying for funeral costs for a relative and for car problems so left myself really short. I got paid early but my other bills went out before my mortgage payment due tomorrow. I have £750 in my account after all my other bills and my mortgage tomorrow comes to £1455. My arranged overdraft is £3000 and luckily I get a bonus next month so this won't happen again but will it be ok for me to use my overdraft to pay my mortgage? I am worried as I have never had to do this. Thank you.

Of course it's fine. It will only be a problem if you do it again next month but it sounds from your post that it's a total one off so please don't worry.
X

What are you going to do if someone says it’s not OK?

Thank you first poster. Second I actually don't know I guess I could borrow from family but I'd hate doing that xx

It'll be fine. I actually set my overdraft amount at my mortgage payment so I knew I'd always be able to cover it for a month if I really needed to.

That’s what an agreed overdraft is for. You know it’s a one off and have extra money next month.

It will be most probably fine.
We had a couple of months in a row where our mortgage payments were made without an agreed overdraft due to timings of payments.

Our standing order into our joint account usually goes in first and then the the bills go out an hour or two later. There were a couple of months where the standing order didn't go in until lunchtime but the mortgage went out first thing. I had a message to say the account was overdrawn but by the time I checked and sorted it the standing order was in and all was fine.

We also paid for a club for my daughter on the 1st of the month and that payment bounced. They requested the payment again the following week and it was ok. After that I switched this payment to a different day.

Yay thanks everyone all went through OK. I was a bit nervous about it! X

Why did you pay for the funeral? It should come from the deceased's estate. Most banks would allow it to be debited from the person's bank account.

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@AllAlongIHaveLaughedWithYou @MrsMoastyToasty is asking a reasonable question. The banks will pay the funeral if there are enough funds in the deceased persons account. Not sure why all the ??? are there

Absolutely no reason for them to ask that it has no relevance on the question I asked and not sensitive at all.

@AllAlongIHaveLaughedWithYou You mentioned funeral costs in your opening post. I thought it was a valid question. It wasn't my intention to cause upset. If I did then I apologise.
I worked for a high street bank many moons ago and it was acceptable to release funds to pay funeral expenses from the bank account of the person who had died. You shouldn't have to shoulder the cost.
You may be able to get a grant to cover costs and reimburse yourself.

Authorised overdrafts are fine. It's when you get into the red without an authorised overdraft that the fees are extortionate.