I have just applied for a mortgage of 62,000 on a property that is in my name with no mortgage on it, the property is worth about 200k, the decison in principle was yes, and when the financial advisor processed the details online it was accepted, however he asked me what i earn but never asked for proof of income he said it was accepted on fast track, i cant quite belive that it is so simple... im waiting for the crash! when will it happen!
you see my credit was APPALLING! but i have worked hard to restore,paid things on time etc, owe about £1000,maybe slightly less, though the defaults of before probably come back to haunt me! i was married before and a lot of it was to do with my ex husband.... i applied for a phone contract and got it a few months ago and got a credit card at a Normal rate too.!! this made me so so s so happy!! im one of those people who had to have a vanquis card... i have since re married, husband has good job and we have no joint accounts or mortgages etc so im not linked with him financially, well, i guess i am but we have no accounts together,
do you think that it will be ok?
any advice would be appreciated