Will someone give me and my partner a mortgage

GemJams_3

Hi my name is Gemma.

My and my partner want to go in for a mortgage together, we are not married.

He has got a perfect credit history and has never had any late payments.
I on the other hand was a little silly when i was 18 (now 21) and got my self in a few debt problems, which only total £1250 i am starting to pay them off now by direct but i am scared that i wont be able to get a mortgage because of this.

Can anyone help? or does anyone know companies that will give people like me a chance with a mortgage with the fact that my partner has a totally perfect credit history?

Please help me i really want this.

Thanks in advance
Gemma

Aspiring

Have you tried applying?

Kavanne

No, don't just apply. Get copies of your credit report first of all from creditexpert.co.uk and equifax.co.uk, both offer free trials I think. Just make sure you cancel

Then seek advice from an independent advisor.

PasturesNew

If you have a debt you're paying off, then I'd wonder where your deposit is coming from.

Kavanne

sockpuppet wrote: »

Hi I was in the same boat - but in reverse. We spoke to a broker based in swindon (mortgageforce) and he sorted us out. Apparently he's the top broker in the franchise this year. I cant remember his number but you can find him on the web. His name was Fiaz Merali.
Go for it - there are many others getting a mortgage in worse straits than you!

Let me guess, he is the one you work for!?

luckyfool

GemJams - did the debts go a couple of months behind, to default, or to one or more county court judgements?

How big a deposit can you and your partner put down as a percentage of the purchase price?

happybroker

re mortgageforce, this is from their disclosure on the website re fees; which means that the "average" fee they charge is £715 so obviously they have quite a few "franchisees" who like to put a little extra into the deal for themselves ("little"???).

The precise
amount, if any, may well depend upon your circumstances but where a charge is to be made, past
fees charged typically amount to approximately £715.00. You will receive a Key Facts Illustration, which

will tell you about any fees charged by a Mortgage Force consultant relating to a particular mortgage.

_Andy_

GemJams wrote: »

Hi my name is Gemma.

My and my partner want to go in for a mortgage together, we are not married.

He has got a perfect credit history and has never had any late payments.
I on the other hand was a little silly when i was 18 (now 21) and got my self in a few debt problems, which only total £1250 i am starting to pay them off now by direct but i am scared that i wont be able to get a mortgage because of this.

Can anyone help? or does anyone know companies that will give people like me a chance with a mortgage with the fact that my partner has a totally perfect credit history?

Please help me i really want this.

Thanks in advance
Gemma

Hi Gemma & welcome to MSE.
First things first - do you have a deposit saved up, and if so, how much?

GemJams_3

_Andy_ wrote: »

Hi Gemma & welcome to MSE.
First things first - do you have a deposit saved up, and if so, how much?

Hi Andy,

Me and by partner both have a deposit of around 10% saved up...

but we was hoping that if we got a mortgage then we would be able to try and get the homebuy goverment scheme?

gemma7wayne

hi gemma im also gemma and also in process of government homebuy scheme b4 u even think about mortgage u need 2 apply with them and they ask about credit history if they accept u then you get put in touch with their financial advisor. also you dont need a deposit so might b worth paying off your bad debt?
My husband is a discharged bankrupt and the financial advisor said cant see it being a problem at all.

SouthCoast

Why has a month old thread been bumped?