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Help advice needed.

jamesdean20_2
jamesdean20_2 Posts: 1 Newbie
in House buying, renting & selling
Hello

I think I already know the answer to this but being ever optimistic, I hope someone out there might have a magic solution! lol

I am 34 years old, with 3 children. I recently split from my husband and it was quite unfriendly to say the least. He is an alcoholic and was quite violent. We ended up with money problems as a result. I have huge debts which I just stopped paying as feeding my kids comes first. Anyway, I have managed to move out in rented accommodation. I am a primary school teacher so have a decent enough income to support us and my family help me a lot.

Is there anyway on this earth that I would be able to get a mortgage as I need the security for my kids? Due to the mounting debts that I've not been paying for 18 months, I have several defaults and my credit rating is shot. My name was not on the mortgage for the marital home. I just want to start again.

All advice appreciated. I'm hoping that some clever cloggs will know how I should go about getting my life and debts dealt with so that I can get a mortgage in the near future. I live in Aberdeen.

Comments

  • BitterAndTwisted
    BitterAndTwisted Posts: 22,492 Forumite
    10,000 Posts Combo Breaker
    It sounds to me that you're going to have to continue renting until you've settled your debts and repaired your credit-rating but obviously I'm not a mortgage-lender. If you can't settle your debts what makes you think you can afford a mortgage and all the other expenses associated with buying and owning a property?
  • G_M
    G_M Posts: 51,977 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Sorry to bring bad news but you'll not get a mortgage while you have debts. You need to a) pay off your debts and b) rebuild your credit record.

    Google "Improve Your Credit Score" or see here too.
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