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Mortgage Application 1 person has ICB Record

  • 05-09-2014 10:24am
    #1
    fionny
    Registered Users, Registered Users 2 Posts: 2,367 ✭✭✭


    Hi All,

    My wife and I want to apply for a mortgage... however I have a record on ICB due to a visa card a few years back... the debt is being paid down as agreed but it is a record on my ICB report...

    AIB have declined our application directly stating this... even though my circumstances have dramaticlly improved since the problem happened due to a new job..

    My wife has a perfect track record with a large amount of savings ready to go...


    Is there any lenders who can overlook the past mistake will consider current circumstances... We can pay down the debt immediately.



    Thanks,


Comments

  • #2
    homer911
    Registered Users, Registered Users 2 Posts: 5,150 ✭✭✭homer911


    Existing financial commitments are taken into account when applying for a mortgage, as well as any ICB record. Paying off the CC debt should help both.


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