mortgages with tax credits

bekkki1

Hi

I am looking for a company that will include my tax credits when calculating my income. I know the halifax do (or at least used too) but I also need a 100% mortgage

I dont have the best credit history - a few late payments, and last time Halifax said I could have one- through Birmingham Midshires, but they wanted a 5% deposit.

Does anyone have any ideas? I have requested a mortgage broker too ring me but ive already been let down by one - and I need to sort it as soon as possible


Thanks in advance

Bekki

MortgageMamma

Try another mortgage broker!

herbiesjp

A 100% mortgage with credit problems - may cause a problem with some lenders.

Have you got a copy of your credit file?

What is the purchase price you are looking at?

What is your income?

Poppycat

The ones that would lend us were Yorkshire BS, First National (HSBO) be aware Halifax may or may not they said they would they they changed there mind and said only half can be taken into account.

bekkki1

Thank you both for your replies, herbiesjp and poppycat

herbies i have repied to your email

Poppycat

I went with First national via broker. 2 years fixed rate @ 6.6 apr

regularsaver1

Halifax do take tax credits into consideration but only do 97% LTV max

bekkki1

I have finally got a mortgage with first national

Is a high interest rate but hoping to get a better deal when the fixed rate is up