Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder angelic Novitiate

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    Default Can I get a mortgage with a bad credit rating?

    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 managementicon 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 mortgageicon 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 mortgageicon lender who will look at the facts rather than make a judgment based on credit score only?

    Many Thanks

    Joanne

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  2. #2
    Basic Account Holder noodledoodle Novitiate noodledoodle's Avatar

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    Default Re: Can I get a mortgage with a bad credit rating?

    Short answer is yes - I was able to do it as well.

    I have pmed you some details.

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    Basic Account Holder Beakermeep83 Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    Can you send me some details as well please noodle?


  4. #4
    Banned mistie Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    sent you a pm as well.


  5. #5
    Basic Account Holder moora moo Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    Are you able to send me some details to??? I'm looking to get a mortgageicon later this year..but have the same problem with my credit rating


  6. #6
    Basic Account Holder kfdh1962 Novitiate kfdh1962's Avatar

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    Default Re: Can I get a mortgage with a bad credit rating?

    Quote Originally Posted by angelic View Post
    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 managementicon 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 mortgageicon 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 mortgageicon lender who will look at the facts rather than make a judgment based on credit score only?

    Many Thanks

    Joanne
    the answer is yes, although generally not with the main high street lenders. You will generally end up paying a slightly higher interesticon rate as i have had to do.

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  7. #7
    Basic Account Holder angelic Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    Thanks all for your advice and the pm's.

    We will be looking into it over this weekend so fingers crossed something comes up!

    Joanne


  8. #8
    Basic Account Holder Mushymoo26 Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    Please pm the details as well


  9. #9
    Basic Account Holder spinningfish Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    Noodledoodle, please could you PM me too?

    Much appreciated...

    Mr Fish


  10. #10
    Basic Account Holder payingonlyencouragesthem Informative payingonlyencouragesthem Informative payingonlyencouragesthem Informative payingonlyencouragesthem's Avatar

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    Default Re: Can I get a mortgage with a bad credit rating?

    I have over 70k in defaults and have just had two mortgageicon offers at near prime levels from brokers advertising in Exchange and Tart. I am not in a debt managementicon plan and am not paying anyone anything.


  11. #11
    Basic Account Holder tote alley stressed Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    noodledoodle - can you pm me too please? Don't know what pm is but need some advice.


  12. #12
    Basic Account Holder Stornoway Novitiate Stornoway's Avatar

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    Default Re: Can I get a mortgage with a bad credit rating?

    Quote Originally Posted by payingonlyencouragesthem View Post
    I have over 70k in defaults and have just had two mortgageicon offers at near prime levels from brokers advertising in Exchange and Tart. I am not in a debt managementicon plan and am not paying anyone anything.
    Hi Paying .....

    Can I ask what type of tie in period is on the mortgageicon offers i.e. if you repay within the first year what level fo penalty do you have to pay ?

    Cheers


  13. #13
    Basic Account Holder payingonlyencouragesthem Informative payingonlyencouragesthem Informative payingonlyencouragesthem Informative payingonlyencouragesthem's Avatar

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    Default Re: Can I get a mortgage with a bad credit rating?

    None whatsoever.they are plain simple mortgageicon offers.


  14. #14
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    Default Re: Can I get a mortgage with a bad credit rating?

    Must be an ERC on it.


  15. #15
    Basic Account Holder caguser Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    Hi, could someone please mail the details to me also? Thank you very much.


  16. #16
    Basic Account Holder blod Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    Can anyone send me the details or maybe post them. My gf and i have just been offered a lot less than we can afford due to our "low" credit score.

    Thanks


  17. #17
    Basic Account Holder barbs26 Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    Could someone also send me details also, would be appreciated alot,thanks in advance.


  18. #18
    Basic Account Holder Jockney29 Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    Hi there, hope you are well. I have just signed up today and was looking at your post about getting mortgageicon whislt on a debt managementicon Plan which is the case for me. My Boyf is hassling me to get on the mortgageicon with him but I keep avoiding because I am unsure what to do, boyf does nt know situation.

    I would be most grateful if you could help e. Many thanks for your time


  19. #19
    Basic Account Holder Multay Novitiate Multay Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    Hi,

    I wouldn't mind knowing the dtails too if you don't mind...

    Many thanks...

    ** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**

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  20. #20
    Basic Account Holder Ulsterblue Novitiate

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    Default Re: Can I get a mortgage with a bad credit rating?

    Hi, I would be grateful of pm with details also. Currently in discounted deal with Capstone which goes to LIBBOR in a couple of months which will be hectic. Thanks very much..



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