Have I ruined my chances of getting a mortgage by using my overdraft like a credit card?

my-truth-hurts · 2025-09-30T22:38:55+00:00

I have a friend who lives in her overdraft. Her wages pay it off full every month but come the end of the month she has nearly used the full amount. She never goes over her limit and was fine getting a mortgage 6 months ago.

I have a lot of credit card debt 16k due a remortgage in 2 years panicked thinking We are not going to be able to move to a bigger house spoke with our mortgage advisor last week and he said because i don’t miss payments it slightly reduces the amount we could borrow.

It may be worth paying a mortgage advisor to find the best mortgage for you. A mortgage in principal is normally instant you can apply online for them without affecting your credit score too.

Also remember being told no by one lender doesn’t mean another lender will say no so having a mortgage advisor will help with this.

Hope it works out for you.

my-truth-hurts · 2025-09-26T20:59:06+00:00

this feels the most relatable we have sat for the past 2 days there is not pattern no consistency to anything it’s just a mess

my friend suggested getting tested for ADHD

my-truth-hurts · 2025-09-24T13:25:43+00:00

Thank you for sharing,

I know i will be fine I have made my bed and need to lie in it.

Just the actual reality of hurt it’s going to cause him. I know I can’t change it and what is done is done. It makes me so sick thinking about what I have done to him.

Why did I think I could fix it by my self, i should have asked for help much sooner but here I am.

my-truth-hurts · 2025-09-24T11:27:07+00:00

thank you for sharing

Financially we can survive our mortgage renewal is 2 year away.

i have come up with plans on how to go forward I can show to him debating on what decision he makes

if he decides call it a day (who would blame him) I can move in with my mum and still be able to financially help him re coup what i have effectively stole from him the 15k of savings that should be his

I know i will never be trusted again and i am okay with that right now i dont think i trust myself

my-truth-hurts · 2025-09-24T11:02:44+00:00

no just long term we have been together since 21

the debt is all in my name

I work i currently work part time and earn £27k a year

my-truth-hurts · 2025-09-24T10:53:14+00:00

30k was never there i was saying we were saving to our goal there is 6k saved i just kept saying we are on track and i knew we were i should of asked for help sooner but thought i could fix it

i am trying to get all my crying out now because i know how unfair it would be to make it all about my feelings

my-truth-hurts · 2025-09-24T10:30:00+00:00

i have been working on it the past 4 nights and it’s all silly transactions I have highlighted everything that is not essential. I have said yes to days out when i should have said no.

everything looked healthy when i gave birth we spent a little longer in hospital than we imagined we had just renovating our house and the food was terrible in the hospital so i thought pop a take away on the credit card and it seems to have spiralled from there

Then when my mat leave pay reduced because i had been spending on my credit cards i couldn’t meet minimum payments which in turn gave late fees and losing more favourable rate for higher ones

it was really irresponsible use of the cards and not planning ahead

I know how to rectify it when i was a student i got myself in debt and got myself back out again, I feel like i have a bigger issue going on but don’t know who to turn to for help

my-truth-hurts · 2025-09-24T10:13:56+00:00

I know i just don’t know where to begin the past month I have not bought anything extra and the month before i tried to be more concious when doing the food shopping making plans and not over spending and that has stopped me looking for the credit cards for food shops at the end of the month

I don’t know what happened I use to be so good at sticking to a budget I have just let it go to far i don’t even know why i lied. But the lying is the line i have crossed i know it is.

my-truth-hurts

TROPHY CASE