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mortgage advice please!!!
emmavxxx
Posts: 8 Forumite
hi can anyone help or advise me please. I am 27 with a 4 year old daughter. I have a bad credit rating and only earn about 10k. Me and my boyfriend want to buy our own place he also has bad credit. he earns approx 20k. we will have approx 40k as a deposit. what are the chances of us obtaining a joint mortgage? I already have a mortgage and have done for 5 years and never missed a payment on it. will this help us? although i have a mortgage it is a joint mortgage with family and need to sell up and go our ownways so i need to buy somewhere new with my partner im just not sure how easy that will be. can any one advise me please?
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Comments
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You need to get copies of your credit files from each of the three credit reference agencies - the £2 statutory ones will be fine.
Take them along to see a whole of market broker and set out the full story of what happened, your circumstances now and what you want to do.
There's too much we'd need to ask to give you any meaningful advice on here...I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Indeed way too much information needed.
What kind of prices were you looking at?I am a Mortgage AdviserYou 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.0
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