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FTB with an AP marker!?
xoEmilyxo
Posts: 10 Forumite
Hi,
Me and my fianc!, are looking to buy our first home:
Joint income: £40k
Deposit: £28k (25% deposit)
Property value we are looking for: £115,000
No loans
I have a great credit rating, no missed payments or problems. Just a CC I pay every month in full.
However my partner has got a blip on his credit report, he has 1 AP marked on his credit report from over three years ago.
It read, 2 3 AP. other than that he has successfully had a car loan paid off, CC he pays every month in full. And had no problems since then.
Would we be able to obtain a mortgage with the AP marker??
If we did have a chance, would it be better to go to our bank barclays, or is it best not to go to a high street lender?
Thanks in advance for your help, it's much appreciated.
Thanks
Me and my fianc!, are looking to buy our first home:
Joint income: £40k
Deposit: £28k (25% deposit)
Property value we are looking for: £115,000
No loans
I have a great credit rating, no missed payments or problems. Just a CC I pay every month in full.
However my partner has got a blip on his credit report, he has 1 AP marked on his credit report from over three years ago.
It read, 2 3 AP. other than that he has successfully had a car loan paid off, CC he pays every month in full. And had no problems since then.
Would we be able to obtain a mortgage with the AP marker??
If we did have a chance, would it be better to go to our bank barclays, or is it best not to go to a high street lender?
Thanks in advance for your help, it's much appreciated.
Thanks
0
Comments
-
Anyone
Help is much appreciated!!0 -
Subject to the details, this should be achievable on the highstreet.
25% deposit certainly helps, best of luckI 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.0
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