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default on credit rating can i get a mortgage

vaughans_2
vaughans_2 Posts: 2 Newbie
in Mortgages & endowments
is there a way of obtaining a mortgage with a default showing on my credit score ?

Comments

  • ACG
    ACG Posts: 24,687 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Yes.... but a lot more information is needed...

    When is default showing as registered?
    Has it been satisfied? If so when?
    How much is the default for?
    How much are you looking to purchase for?
    How much deposit do you have?
    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.
  • Dave_Ham
    Dave_Ham Posts: 6,045 Forumite
    Tenth Anniversary Combo Breaker
    Yes, but you will need to give us a bit more.

    When was default recorded, how much for, is it satisfied and % of purchase price is your deposit?
    I am a Mortgage Broker
    You should note that this site doesn't check my status as a Mortgage Broker, 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.
  • happytohelp2013
    happytohelp2013 Posts: 5 Forumite
    would a default for a credit card still be rated as very bad if it is 5 years ago?
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    vaughans wrote: »
    is there a way of obtaining a mortgage with a default showing on my credit score ?

    How much deposit do you have saved up?
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    happytohelp2013 wrote: »
    would a default for a credit card still be rated as very bad if it is 5 years ago?

    You already have your own thread running where that is discussed
  • ValHaller
    ValHaller Posts: 5,212 Forumite
    1,000 Posts Combo Breaker
    vaughans wrote: »
    is there a way of obtaining a mortgage with a default showing on my credit score ?
    Defaults are shown in credit records. Worry about your credit record, not your so-called 'credit score'
    You might as well ask the Wizard of Oz to give you a big number as pay a Credit Referencing Agency for a so-called 'credit-score'
This discussion has been closed.
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