Advice Needed Re Applying For Mortgage With Adverse Credit

sophie21

Hi all
I am desperate for some help. My partner and I are looking to buy a house. We have a 25% /15% deposit to put down. My partner has no adverse credit but can not fund the mortgage on his own. I have had some bad credit which is sorted/settled now although the defaults remain. Because of a recent move and mix up with mail forwarding I have received a default from Capital One 10/08, the rest are from few years back. I beleive the recent one is causing the most problems. I was told that some high street lenders will consider you if the default is over a year old (Abbey)? Does anyone know the best brooker to approach, etc. Any advice would be appreciated .
thanks

beecher

http://forums.moneysavingexpert.com/showthread.html?t=1318085

But your default isn't from over a year ago. You missed payments for months by the look of things and from what you say have other defaults too - not looking good at all.

Best bet is to go to an adviser but you will be paying really high rates if you mange to get anything I'd think.

sophie21

gee your a happy chappy. Got sorted with a fixed rate of 5.89% . Thanks for info

beecher

sophie21 wrote: »

gee your a happy chappy. Got sorted with a fixed rate of 5.89% . Thanks for info

You're sorted in the last 3 hours? Good luck - I hope it gets through the credit check okay.