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mortgage advice
kirky118
Posts: 3 Newbie
hi all, i'm new to this website but it has already been a great help as i've started to claim back bank and credit card charges, anyway, my fiancee and i are looking to buy a house within the next 6 months to a year. i have a £6000 debt which is currently with a debt collection agency, which has effected my credit score (i assume). i am currently in the process of getting this information from expedian, in the mean time i am getting one of those cashplus credit builders to improve my rating (not ideal i know). i did a questionairre on moneysupermarket and it came back that i was in the fair risk bracket (think maybe a bit higher tho). i earn about 22k(been there 3 months) a year, my fiancee is currently unemployed but looking for work. i have a meeting with citizens advice bureau about my £6000 debt. i was just wondering if anyone had any advice about whether i would be considered for a mortgage and roughly how much? if so could i get a mortgage and add my £6000 debt to it and pay it off that way? i also understand its the norm to have at least a 10% deposit, but is there ways around this?
sorry about the long winded story, just thought it better to put all the facts down.
sorry about the long winded story, just thought it better to put all the facts down.
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