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I want to apply for a mortgage following a period of credit file clear up and wondered what my chances would be with the following: Me: I took some poor financial advice and decided to stop paying some unsecured debts in 2005/6, these defaulted, went unpaid and became statute barred in July 2013 and dropped from my credit file the month after. This leaves me with a 3 clean accounts and a Noddle Score of 4/5 and a Checkmyfile score of 789 - outside this I have a good job and can get together a 20-25% deposit with everything being affordable. Partner: Clean file, recently approved for vehicle leasing finance. As I understand it my visible credit history would be fine with the defaults / debts not being visible on a credit search, however the credit score could work against me? Would I have to declare these debts on the mortgage application? Would I be better going to a building society who manual underwrite mortgage applications? Any advice would be greatly appreciated
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