u/broysto

Hi again

We have found a property we love and now submitted an offer, our broker provided a DIP from HSBC and we submitted 3 months payslips and bank statements.

I have my salary paid in here and also save my money in LISA from this bank and it’s all visible. (2.7k per month salary paid and save around 1.5k per month in savings/Lisa)

I am worried about some cash transactions on there.

1. A cash deposit of £1400 - I won a large football accumulator off £20 and deposited this cash in the bank. I don’t like to bet online - this was over 2 months ago but scared they will question
2. Around £500 withdrew cash over the 3 months - £270 of this was cash taken for a holiday to exchange to euros and maybe £100 was for a night out as like to pay in cash to manage spending on the night, the rest is car washes, hungover chineses and maybe £80 used on bets.

Will this be scrutinised, I don’t have any debt and pay off my credit card in full each month. Ultimate worrier with all this!

Hi

Me and my fiancé are in the process of buying our first home, we have a mortgage in principle from clear score but are awaiting a new DIP from our mortgage advisor following initial discussions.

We earn 80k combined and have 10% deposit for a 285k home, I have had a few past debts but never missed a payment or have adverse indicators. I was using overdraft and struggled to get out but managed to clear all debt late 2025 and saved 10k plus myself since Jan 2026. Debt balance now £0 and has been for 5 months. (Finally)

I have a ClearScore score of 747 and fiance 885.

Should I be worried about mortgage approval with no future debt expected also no mismanaged debt or payday loans etc?

Hi

Me and my fiancé are in the process of buying our first home, we have a mortgage in principle from clear score but are awaiting a new DIP from our mortgage advisor following initial discussions.

We earn 80k combined and have 10% deposit for a 285k home, I have had a few past debts but never missed a payment or have adverse indicators. I was using overdraft and struggled to get out but managed to clear all debt late 2025 and saved 10k plus myself since Jan 2026. Debt balance now £0 and has been for 5 months. (Finally)

I have a ClearScore score of 747 and fiance 885.

Should I be worried about mortgage approval with no future debt expected also no mismanaged debt or payday loans etc?