FTB with debt help

Camels

Hello,

I was wondering if I could get a couple of opinions on my chances of a mortgage offer?

I am a first time buyer with a 25% deposit so I require a mortgage for £59000. My downfalls are that I am currently on a DMP paying £130 a month with about £4000 on that. I had 3 ccjs alltogether under the value of £1500 and satisfied in 2007 and early 2008. 4 defaults are still showing on my credit file from when i was advised by cccs to not make any more payments to creditors etc. My salary is £19000 plus 1000 bonus yearly. I was turned away with a 10% deposit (when I was lokng at cheaper houses that needed work doing) and told to come back with a 25% which I now have. My credit file looks good apart from the obvious ie phones/gym/car payments all paid never missed in 10 years. The only other financial commitment I have is £90 car payment until Dec.

Would really appriciate any opinions thank you :-)

Camels

Sorry I forgot to add I am going to pay this off as well as the having the 21000 deposit I was just wondering how lenders will look at mt credit rating from these previous debts.

Camels

thank you it has been a challenge thats for sure! i was in such a mess 3 years ago never thought i would get here. i cant take all the credit sadly that is inheritance included too :-(