u/Good_Bee_4686

Hello,

I need some help as I know literally nothing.

So me and partner are looking to buy with a 5% deposit. We have passes checks for MIP but I don’t know why I’m getting really nervous about not being approved for a full mortgage mainly because
- I don’t really have any credit history barring a credit card I’d spend a bit on and then pay off straight away like the Same day
- have had a few occasions where I put all my money into my savings and then forget to put it back for direct debits - payed off on same day

We have a MIP with Barclays atm , I’ve been told Santandare are particularly strict so I’m wondering what banks are more relaxed then others.

Thank you :)