First time buyer...

HCI

Me and Partner have £70k Deposit and seen a lovely house we want for £190,000.

We want to buy it but im worried that my credit score is going to mess it up and we get declined. hers is good enough.
Will this be overlooked as we has a large deposit, and if we prove that we are easily able to afford the repayments along with all other bills and still have a large disposable income after everything is paid out?

What is the best thing to do in our situation....

callmechar

Why do you think your credit score bad?

HCI

because I cant get credit. I had debts but they are now clear 8 months ago

spadoosh

Salaries would be beneficial as it could be worth applying in your partners sole name and transferring the deeds at a later date?!

You have a healthy deposit which will always go in your favour but if your notoriously bad with credit no matter how big your deposit is you may find your refused.

spadoosh

Debts doesnt mean bad credit score, not being able to get credit suggests a bad credit score, when was the last time you applied for credit?!

CLAPTON

get copies of your credit reports and tell us what they say.

Thrugelmir

Where has the £70k deposit suddenly materialised from, if your debts were only cleared earlier this year?