Can't get a mortgage.

DVardysShadow

Robbo17 wrote: »

Finally someone who understands where im coming from! These people are pretty much saying if you have debt you can't get a mortgage and for the people saying I can't afford to pay my debt in full I JUST HAVE TODAY. So now I have nothing outstanding lets see if it helps. I very much doubt it.

Oh, everyone understands your problem. And you are wasting your time convincing people here that you can pay off your debts. No one here is lending you money, but everyone is trying to help you change your situation so you can get a mortgage. and no one here is saying you cannot pay your debt off in full. People are telling you how you will appear to the lenders.

So no need to be frustrated with people here. You should listen to what people are telling you, not get on your high horse about what you think people are saying. Just get rid of all but 2 accounts and get saving.

KingElvis

Too low a deposit, combined with lingering debts combined with shared ownership and your age mean I'm not suprised you got turned down.

Save a bigger deposit, tidy your accounts up, pay off the debts and then pay them in full every month and wait twelve months.

Robbo17

Yes ok fair enough. Thank you to everybody for the advice. Have learnt a thing or two that's for sure :-) thanks again.