Mortgage application and old defaults

Mrsmouse_2

Hi

My boyfriend and I are in the process of purchasing a new build property with a joint mortgage. Cash price £370k, deposit £56k joint income of £148k. AIP all ok but here's the query:

Over 10 years ago I had credit problems and defaulted on a storecard (over 20 years ago) and a personal loan. The storecard was cleared in full at the time and the personal loan went to debt recovery. I have made every payment since and on time and the debt was paid off last year. My credit reports with experian and equifax don't show any defaults and shows the personal loan as settled. 20 years ago i also had an unpaid parking fine which escalated and resulted in a court order (is this a ccj?)

Do I need to declare defaults/ccjs on a mortgage application?

I've had credit since all this (personal loans)and always paid on time and all have been settled and currently have a credit card with a £10k limit and no outstanding balance (paid in full each month). Do you think I will have problems getting a mortgage?

Thanks in participation

KeepFighting_2

If your mortgage application asks you and does not specify a limit on how far back they are asking then you must answer truthfully. If the application does not ask then you do not have to put anything. I think if you had a County Court Judgement it would be detailed as such. I think a Court Order is different.