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Can I get a mortgage?


heidi83
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Hi,

 

I'm looking to get on the housing ladder. I've spotted a few properties in the price range of what I'm willing to pay and I have a 25% deposit so the mortgage I need is not huge.

The problem is myself and my husband both have a poor (well bad actually) credit history. We've both had a good few defaults and built up arrears when times were harder. I believe however that our credit rating has improved, I have car finance which I got easily and have never had a late payment on and my Husband was given a 2.5K overdraft by Natwest last month - so we are at least worthy of some kind of credit but enough for a mortgage?

 

Will having a substantial deposit help getting a mortgage easier?

There are lot's of companies on google claiming to broker bad credit mortgages - are there any reputable ones? Are these companies any good?

 

 

Any help will be most helpful!!

 

Thanks!

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Hi Heidi.

 

Why dont you start by finding out exactly whats on your file.

 

Credit Reference File and Credit Repair

 

Heres a list of the types of mortgages available

 

Heidi wants a mortgage please.

 

Good Luck

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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