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Possible?!

Me - 26 self employed but have a long term signed contract from a single client netting over 100k/year. CCJ on file due to drop off in Jan next year for £200 and a settled one from 2010 for £4800. Credit score is 972.

Partner - 33 employed with a 42k income. Current outstanding mortgage of 125k.

Will likely have a 50k deposit and require a 250k mortgage.

Am I dreaming?! :beer:

Comments

  • ACG
    ACG Posts: 24,625 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Depending on how the contract is worded etc that shouldnt be a problem.
    I am a Mortgage Adviser
    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.
  • It's a daily rate contract for 15 months if that helps :)
  • ACG
    ACG Posts: 24,625 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    how long is remaining? Is it likely to be renewed?
    I am a Mortgage Adviser
    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.
  • Just started and yes, can show constant high income for last 12 months too if it helps?
  • Conrad
    Conrad Posts: 33,137 Forumite
    10,000 Posts Combo Breaker
    All doable via an experienced good broker
  • So the guy I spoke to today saying lenders won't touch CCJs was talking bull?!
  • Conrad
    Conrad Posts: 33,137 Forumite
    10,000 Posts Combo Breaker
    Teledude wrote: »
    So the guy I spoke to today saying lenders won't touch CCJs was talking bull?!


    He doesn't know what he's doing. Think about it, what makes some actors top draw and the rest also rans? It's just the same with brokers, we vary widely.

    The very worst kind are robotic and do the job as they were taught on a course by some clown that's never done the job.
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