Credit Record and Getting a Mortgage

Jim2k

Evening all,

I have just seen my credit report and while there is nothing major on there, there are some missed credit card repayments from my time as a student about 3 years ago now. We are looking to get a mortgage, how much is this likely to affect me? My credit histroy is fine other than this, including regular repayment on all my credit since.

Your help is a appreciated.

ukmonkey

Jim2k - I'm in the same position, and have already had an approval in principle for a 100% mortgage at £126,995.

Admittedly, my partner's credit rating is impeccible!

I'm don't think you'd have many problems.

I'm not a mortgage broker and am not qualified to give this advice, this is only my opinion. i.e please don't sue me if I'm wrong!

Jim2k

ukmonkey, my thanks for your response. Im also buying with my missus and she is clean as a whistle (well financially anyway). We are looking or £103k mortgage and have a 5% deposit so fingers corssed. Thanks again.

MortgageMamma

how many missed payments were there? did it go to default or just missed payments? It you have been good with your credit since this point, unless you got a default it should not be a problem