Cant Get a Mortgage

smnb08

gemmacantan1 wrote: »

Would suggest looking into Halifax. Explain your concerns! Mortgages are funny anyway. When we took out our first mortgage with Abbey we applied to Halifax, they basically laughed at us and we had a 25% deposit as well. They had nothing to offer us, Abbey did.

I unfortunately got into a little debt 3 1/2 years ago and was left with 5 defaults but have been clean since. Have been told that halifax will only search 3 years back so going to apply for a mortgage with them in the summer. (Was told by a broker). Our current mortgage company was a sub prime one and they no longer offer mortgages so we've been on variable for 6 months but not 100% happy staying on it for the foreseeable future!

Good luck, it might be worth contacting a broker as they usually can search the whole market on your behalf.

please let me know how you get on.
i am in the same situation got into debt in 2007 with defaults left on my credit report.
i managed to get a mortgage with beacon in 2008 and thought if i kept my nose clean for th 2 years the rate would be fixed i could then get a bigger mortgage with them and now they have stopped lending!!
i am sooooooooo desperate to move i also live in a two bedroom.
please let me know if you have any luck.

sorry to interupt on thread.