Is there a mortgage expert in the house!!!

joel10873

Am hoping to move into a rent to buy scheme shortly but am keen to get a mortgage to buy a share. I am wanting to buy 50% share which would be 85000. i can probably get my hands on somewhere in the region of 20% deposit for the 50% share.

there are some down sides to this! hubby and i declared bankrupt june 2005 discharged dec same year. squeaky clean credit history since and even recently got a small business loan from our bank

hubby is self employed but i dont work as i look after our disabled son.

so taking all this into account and providing the numbers add up regards income to mortgage value what do you think are our mortgage prospects?

is it a complete no hoper or is there a lender out there who might help if so who?

I am aware there is a (large) chance we wont get a mortgage so the rent to buy gives me some time to save more deposit and wait for the bankruptcy to dissapear

I would however very much like to buy now if i could!

Help appreciated!!!