We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

will they lend If I havea default

stingray2
stingray2 Posts: 16 Forumite
in Mortgages & endowments
I have a default on my credit file for £200 from 2005. It is settled.

Will any mortgage company lend ?

details

deposit 21000
joint income 46000
debts 1500
house price 128000?

Partners score= perfect

Plesae help I have had a million conflicting opinions so far ;-(

Comments

  • Wutang_2
    Wutang_2 Posts: 2,513 Forumite
    Should be ok - speak to broker
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • stingray2
    stingray2 Posts: 16 Forumite
    my broker has recommended rbs, they did a credit check for my aip and have accepted... just waiting for the full app and am almost cracking up thinking it will be a no!!!
  • Mrs_Bumble
    Mrs_Bumble Posts: 1,028 Forumite
    Did the broker run it past RBS before doing the AIP?

    If your overall score was ok, and they checked first then chances are will be ok.
    I am a Mortgage Adviser

    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    WIth the sum being for £200, you may just fit inside the criteria of some lenders.

    Quickest way of finding out will be as Wutang says.

    Have you got up to date copies of your credit files?
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture