Ask the mortgage experts - Filter by: Bad credit - John

29/04/2013

I have 3 default notices on my credit history, one from 2010, one from 2011 and one more recenlty which is about to be satisfied. Will it be impossible to get a Mortgage with this type of history?

Categories: Bad credit, First-time buyers

15/04/2013

My wife and I both have excellent credit scores. I have a settled cpw default which is 5 and a half years old can we get a 95% mortgage. My wifes score is 999 and mine is 976.

Categories: Bad credit, First-time buyers

05/04/2013

I have been told by a mortgage broker, that i am unable to get a mortgage due to a settled default on a £1000 credit card bill, this was settled in march 2009. I have a 15% deposit and a good credit rating (900). Is there anything I can do as am feeling pretty desperate now?

Categories: Bad credit, First-time buyers

25/03/2013

Hi, my wife and I are first time buyers. I am looking for a property of around £75k, and I have 5% deposit. We have a combined income of £28000 however I have a unsettled default of £9,500 from 1999 from a business loan me and a friend took out which we are in dispute over. My wife has never had any credit cards or loans. Would it possible for me to get a mortgage or would I have to wait until the default is off my file?

Categories: First-time buyers, Bad credit

12/03/2013

My partner has one satisfied default less than £600 and some poor credit history 8 years ago. What mortgage do you recommend? We have £80000 and wish to get a £476k mortgage and we have a joint income of £150,000?

Categories: Bad credit, First-time buyers

14/02/2013

My husband and I have savings of 100,000 don't own property and unfortunately have a default each on our credit file posted in August 2010 (this was due to my husband taken I'll) we would like to invest in a BTL property to produce a income - currently our earrings are £8000.

Categories: Bad credit, Buy-to-let

05/09/2012

My partner and I are hoping to get a mortgate. We are currently renting, my partner has been removed from the mortgate he had with his ex-wife and my ex and I are currently in the process of doing this. We both have a good credit score although I have a default which is nearly 3 years old. I am paying it off, it was a debt my ex built up on my account that I didn't know about due to moving out of our marital home. The default had been applied by the time I became aware of the debt. We have a large deposit, what are the chances of us getting a mortgage?

Categories: Bad credit, Home mover

04/09/2012

I have poor credit, i am currently on a payment plan for a loan which will be paid in full within 6 months, i also did have a payment plan for a credit card which has just come to an end and i am now making full payments to evey month. I currently have a mortgage in my sole name never missing a payment but i am hoping to move house and take a mortgage in the joint names of myself and boyfriend with the same mortgage company that my mortgage is currently with, is it likely that we will be accepted ?

Categories: Bad credit, Home mover

04/09/2012

I have a satisfied default on my credit file of £4000, it went on nov 2009. Me and my partner both now have steady income between us of £47000 per year minimum. I want to know the chances of getting a first time buyer mortgage for a house worth 125000-130000. Also if not a first time buyer mortgage with a 10% deposit any other mortgage with a 20% deposit.

Thank you for your help.

Categories: Bad credit, First-time buyers

02/09/2012

can i still get mortgage if i have bad credit i about 4 grand in dept

Categories: Bad credit, Home mover




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the credit score isnt that bad.the debt to income is the problem i assume.if the new mortgage is Real Estate Home Mortgages /mortgage. Ask Experts

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