whattodo85
Registered User
- Messages
- 4
Hi All,
Looking to move house but have a concern with my ICB, approx 6 years ago I had an issue with a credit card. It was to do with a business (sole trader), I eventually paid this off however it has gone down against me on my ICB report. The sum was €2000 and is due to come off my ICB in June. I am now looking to move however my current mortgage provider wont allow this due to my ICB report.
Age: 31
Spouse’s/Partner's age: 31
Annual gross income from employment or profession: 60k
Annual gross income of spouse: 50k
Monthly take-home pay: €5380
Type of employment: Employed & civil servant
In general are you:
(a) spending more than you earn, or
(b) saving? I am saving (can prove that I can afford €2000 per month, been doing this since last Jan)
Rough estimate of value of home: €220000
Amount outstanding on your mortgage: €220000
What interest rate are you paying? 2%
Other borrowings – car loans/personal loans etc: PCP on a car €360pm
Do you pay off your full credit card balance each month? Pay in full
If not, what is the balance on your credit card? N/A
Savings and investments:€110k
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: 1
Life insurance: Yes
What specific question do you have or what issues are of concern to you? I am wondering if a bank will touch me due to the cc issue or would I be better off waiting until this clears from my ICB report. My savings record is excellent, I have a deposit and good income.
Looking to move house but have a concern with my ICB, approx 6 years ago I had an issue with a credit card. It was to do with a business (sole trader), I eventually paid this off however it has gone down against me on my ICB report. The sum was €2000 and is due to come off my ICB in June. I am now looking to move however my current mortgage provider wont allow this due to my ICB report.
Age: 31
Spouse’s/Partner's age: 31
Annual gross income from employment or profession: 60k
Annual gross income of spouse: 50k
Monthly take-home pay: €5380
Type of employment: Employed & civil servant
In general are you:
(a) spending more than you earn, or
(b) saving? I am saving (can prove that I can afford €2000 per month, been doing this since last Jan)
Rough estimate of value of home: €220000
Amount outstanding on your mortgage: €220000
What interest rate are you paying? 2%
Other borrowings – car loans/personal loans etc: PCP on a car €360pm
Do you pay off your full credit card balance each month? Pay in full
If not, what is the balance on your credit card? N/A
Savings and investments:€110k
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: 1
Life insurance: Yes
What specific question do you have or what issues are of concern to you? I am wondering if a bank will touch me due to the cc issue or would I be better off waiting until this clears from my ICB report. My savings record is excellent, I have a deposit and good income.
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