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Hi all,


We hit a sticky wicket back in 2007 when I had to close out business.


In 2009 we sold our house, cleared the mortgage and have been living in rented ever since.


We also fell foul of a few defaults at the start of 2009.


We have slowly but surely built our lives back again and are now 'starting' to think of home ownership again. We have not taken any loans out since 2007 and have been on a DMP with Payplan.


I suppose my initial question would be what you all think our chances are of getting a mortgage, with whatever company be it high street or back lane?


Will we have to wait until the 6 years have lapsed for the defaults? Only we have had it suggested to us that some companies do not worry too much about defaults over 3 years old..?


Any help or advice would, as always, be greatly appreciated :|

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