Maximise your Avios, air miles and hotel points

Forums Payment cards Other payment cards Curve and mortgage applications Reply To: Curve and mortgage applications

125 posts

I agree with this, especially if it’s a higher LTV loan or you’re maxing out your salary multiples, keep your finances very simple over the 3-4 months running up to the application and it’ll make life easier for yourself!

That said I have applied for quite a few mortgages over the last couple of years (personal, BTL, Ltd co. Expat) and tend to find they’re mainly looking at/questioning two things- 1) regular commitments and 2) balances carried forward. No one has shown any interest in my monthly expenditure or what cards/limits I have

My experience was similar last year when I guaranteed my son’s mortgage. They seemed to be only interested that I paid off my cards in full, one of which was consistently at 80+% of it’s limit.

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