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Aren't you best discussing with your broker? If he/she already has an AIP in place for the amount you need to borrow then I'd say your chances are looking good so far? It will also help that you are putting down a 25% deposit (if using HTB scheme).

“ Yes, you've been approved. Only thing to watch out for is to make sure the valuation was what you'd expected. If it comes in less than you thought, it could push you into a different Loan-To-Value bracket and therefore rate. Hence their advice to "read the offer carefully"! <a hre...

“ So finally got the offer from Precise. Now the house isn't compete for around 10weeks. Will they do another credit search before or do they do bankruptcy? Thanks in advance <a href="/showthread.php?p=72224663#post72224663" rel="nofollow" title="View original post">Originally posted</a> by j...

“ I know I'm always negative. Will try and think more positively it's just because we have found such a nice house and as we know the people selling they have knocked quite a considerable amount off for us so just thinking something is bound to go wrong lol <a href="/showthread.php?p=72222461...

I wouldn't worry that much about it, as long as your income stacks up and shows and you have declared your commitments and major outgoings you will be fine, avoid excessive gambling.



Lenders aren't going to be worried about contactless payments or cash withdrawals.

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