100k deposit with 100 unpaid phone bill

Dave_Ham

Before you further disadvantage any future applications, you need to obtain your reports for Experian, Equifax and Call Credit

You may need to approach a Building Society or a bank that will manually underwrite. They are out there and subject to information provided, you will achieve a mortgage, just as you have found definitely not with HSBC/First Direct.

They show no loyalty unfortunately, any of them..

All the best

patman99

There's nothing stopping you obtaining a mortgage with a provider then in 2 years when this debt has slipped-off your credit report, re-mortgaging to a lower rate provider.

I have now done this 5 times and have a base rate tracker + 0.16%. Doubt I will better that, so will leave as-is for the remainder of my mortgage.