Hi, myself and my wife are applying for a 2nd time buyer mortgage from our existing lender (UB). We were told to apply at the end of August as there was one referral fee on one of our accounts which will be gone by that time and that we should have no problem at that stage, good employment etc.. We got our ICB reports done ourselves which arrived today and it shows up that my wife had a revoked credit card going back to 2013. There were mitigating circumstances but to cut a long story short are we snookered now? All other loans etc including existing mortgage with UB have been paid off over the years no problem. Really gutted to be honest. Thanks