I’m looking for a bit of advice on my mortgage application. I have been banking with HSBC for 5 years. I will be able to put down deposit of 200000, the value of the property is 410000, I got decision in principle certificate several days ago from HSBC, now I’m worried. My HSBC internal score is 70, they seem happy with that. I just checked my Experian credit, realised I didn’t have ELEC.ROLL for my addresses, I simply didn’t pay attention to that kind of stuff, didn’t realise that stuff would be so important, will my app be declined because of this? Also, at the appointment with mortgage adviser in the branch, the gentlemen advised me to open a new credit card, saying that would do good for the application, so I let him to open a credit card for me on that day, he also transferred a lot of funds from my current account to online savings account, saying that would be more secure, not clear about that. I later found out that open a new credit card would affect my credit score. They have arranged another appointment for the app next week. BTW, they didn’t mention anything about my credit score on the day they gave me the certificate, they just told me that I got good account with them and it’s good I will be able to put down large deposit. My wage is 4000 before tax. They took a copy of pay slips.
Could you let me know your thoughts on my app please ? I really appreciate your time.