Mortgage Advice Please?

ronburgundy

Hi There,

Hoping someone can help me out,

i messed up big time with my finances through my own stupidity and listening to bad advice, i ended up more in debt than i was and defaulted 3 accounts, i have paid back 2 in full and working on the other.

Basically my partner is talking about buying a house but im a bit worried i'll be rejected, she has a perfect credit score and never missed a payment in her life.aprt from my last 6 months blip overall ive been fine and working to improve my rating.

do you think we would have any chance getting a mortgage?

thanks in advance

Robert_Sterling_3

what was the last six month blip exactly.

herbiesjp

What purchase prices are you looking at?

What deposit do you have?

ronburgundy

Basically when i added all my debts up i realised i couldn't afford to keep the payments up, so i took some advice from a friend who told me to go through i debt management company who would get the interest froze and smaller repayments. this sounded great to me so i went ahead.
the debt management company told me to stop making payments to my creditors immediatley but as i found out the interest didn't get froze and i incurred extra charges and ended up owing even more money.
I know its my fault for doing my research properly as if i did id not have got any defaults and would be close to being debt free.

i have stopped using the debt management company and paid off all but one of my debts

ronburgundy

herbiesjp wrote: »

What purchase prices are you looking at?

What deposit do you have?

it will be about £80,000 and my partner has 10% deposit

herbiesjp

What is her income?

Does she have any other debts in her name?

Depending on the responses, she may be able to apply in her name only - but remember 90% mortgages are not going to be the cheapest at the moment