Of course they can only see your transactions if you are with the bank you want the mortgage off.
Most lenders require 3 months recent bank statements for a mortgage application if primary bank account is held elsewhere.
Generally speaking gambling transactions will only have a negative effect on a mortgage application if the debits are having an adverse effect on the bank account, ie resulting in subsequent returned DD's, heavily reliant on overdraft to fund gambling or if the amount funding the gambling represents a high percentage of disposable income.
This is not a recent thing, I have been underwriting for 3 yrs and debits on bank statements to online gambing sites have always been considered as part of the underwriting process.
Do bear in mind that banks are now negatively credit-scoring people with gaming transactions on their credit cards.
What a load on nonsence. irish banks are not negetively credit scoring on gambling transactions. No evidence exists to support such a thesis.
What card issurers should be doing is charging a cash advance fee on such transactions.
Ronan Sheridan of AIB said that while there was no policy that explicitly said online gambling would prevent a person getting a mortgage, he said the bank examined “anything that could impact on an applicant’s ability to repay".
They don't work on gaming sites.That'll be a boon for those 3V disposable credit cards