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mortgage with bad credit history

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katywhity123
katywhity123 Posts: 9 Forumite
in Mortgages & endowments
Hi

I got in to debt 3 years or so around £3000 give or take, I Have now paid it all off this year everything. but i wanna get a mortgage. we have the deposit and my partner has a clean credit history.

DO you think I will be aloud a mortgage??

Comments

  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    How much deposit do you have saved up?
    What kind of property values?
  • beecher2
    beecher2 Posts: 3,677 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    What's your credit file like? Having had debt which is paid off wouldn't be a problem, but late payments or defaults would be.
  • katywhity123
    katywhity123 Posts: 9 Forumite
    i have 20 % deposit and the property is £109,995

    there was a defult on there and a of course latepayments but all are paid off now
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    When was the default first registered?

    What are your two incomes?
    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.
  • katywhity123
    katywhity123 Posts: 9 Forumite
    2007/2008 sometime im on min wage and my partnets is on about £1130 a month
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