deltrotter
Registered User
- Messages
- 60
Hi All,
I will hopefully be applying for a second time mortgage in the coming 12 months. I spoke with a lender and they suggested getting an ICB check done so I did. It returned with 2 issues on my mortgage payments shown over a 24 month period. This was down to a late payment rather than a missed payment. I spoke with the lender explaied the position and no interest was charged and the account is fully up to date. Other than these 2 I have paid my mortgage for nearly 10 years without ever an issue. I have substantial savings (more than a 20% deposit for putchase price) and my credit card history came back clear.
I was wondering if this will go against me in the next 12 months? I am plannjng on contacting my lender on Monday to discuss further.
If anybody had any helpful advice on this I would really appreciate it. I'm worried sick over it and having sleepless nights.
Many thanks
I will hopefully be applying for a second time mortgage in the coming 12 months. I spoke with a lender and they suggested getting an ICB check done so I did. It returned with 2 issues on my mortgage payments shown over a 24 month period. This was down to a late payment rather than a missed payment. I spoke with the lender explaied the position and no interest was charged and the account is fully up to date. Other than these 2 I have paid my mortgage for nearly 10 years without ever an issue. I have substantial savings (more than a 20% deposit for putchase price) and my credit card history came back clear.
I was wondering if this will go against me in the next 12 months? I am plannjng on contacting my lender on Monday to discuss further.
If anybody had any helpful advice on this I would really appreciate it. I'm worried sick over it and having sleepless nights.
Many thanks
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