First time buyer

Imiimi

Hello, me and my partner are trying to get a mortgage. We are both working and earn a combined salary of approx £50k. We are trying to buy a house which has a value of £120k and we have a 10-15% deposit and are ready to go.
Majority of the high street lenders do not seem to want to have anything to do with us and the only people to have shown us any interest are Kensington Mortages but I have not heard the best things about them.
We both had some missed payments when we were younger so although our payment history is fine now our past seems to be affecting our credit score and therefore our abilitys to get a mortgage.
Does anyone know of a reputable mortgage lender you may be able to help us?
Also, does anyone have any information Regarding Kensington mortgages that would go against or for my concerns about them?
Thank you for your help, much appreciated. Imogen and craig

kingstreet

Get a whole market or independent broker working for you. There may be options but these need careful investigation and running up and down the high street hoping a lender will take you on, while racking up credit searches, isn't the right approach.

If you go to a lender like Kensington they, and you, know why you're there. Conduct your account properly and leave them after a couple of years and you'll have no problem. Get into arrears and you'll find they become very, very expensive.

Your problems don't appear to warrant an averse credit lender. One which doesn't credit score appears a better bet. That's where the broker comes in.