A few years ago I landed in some financial difficulty which resulted in my credit rating going from Good to Very Poor. I have been on my own debt management Plan for 2 and a half years now, without missing payments.
My problem is that I am hoping to buy a house now with my boyfriend, however I think my credit rating will stop us from doing this! We can certainly afford the mortgage and oustanding debts with our joint income, but I'm worried they will look at my credit rating only rather than the full story.
Does anyone know of a good reputable mortgage lender who will look at the facts rather than make a judgment based on credit score only?