New mortgage application after a restructured mortgage

bbound

Registered User
Messages
19
Hi, Was on a restructured mortgage with ptsb that was transferred to pepper. Originally the warehoused amount was just short of 50%.

Circumstances changed and have been paying full mortgage since october 2019, so 8 months of full payments at the moment.

I now want to apply for new mortgage to move house.

I have no other debts and a deposit from inheritance.

Will the restructured mortgage affect the application and should I wait longer to apply?
thanks
 
Step 1 - apply for ICB report ASAP. Then you’ll know what’s showing on that. I imagine you’d need 12 full payments - if not 24 before they’d consider you. Do you have a tracker mortgage?
 
Step 1 - apply for ICB report ASAP. Then you’ll know what’s showing on that. I imagine you’d need 12 full payments - if not 24 before they’d consider you. Do you have a tracker mortgage?
I do, It is 2.25%+ ecb