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Can we get a mortgage?
theduke2011
Posts: 16 Forumite
Hi
We're looking to buy a new home and apply for a mortgages in the next month or so. Would like to get an idea if this might be possible. Currently have a mortgages with Santander and would ideally like to port this over and borrow more as we're on a good rate. If not, open to other lenders that may be able to help.
Mortgages will be joint with OH
My basic £42500
OH basic £17500
No outstanding debts
Looking to borrow 224000 on a property of 265000
Only issue is with my credit file. I have 2 defaults from late 2008 (10k and £800) and another from 2010 (£400). All way paid off in full within a month of defaulting.
Any advice would be much appreciated!
We're looking to buy a new home and apply for a mortgages in the next month or so. Would like to get an idea if this might be possible. Currently have a mortgages with Santander and would ideally like to port this over and borrow more as we're on a good rate. If not, open to other lenders that may be able to help.
Mortgages will be joint with OH
My basic £42500
OH basic £17500
No outstanding debts
Looking to borrow 224000 on a property of 265000
Only issue is with my credit file. I have 2 defaults from late 2008 (10k and £800) and another from 2010 (£400). All way paid off in full within a month of defaulting.
Any advice would be much appreciated!
0
Comments
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Good luck!! Defaults are a pain in the back sidePlan
1) Get most competitive Lifetime Mortgage (Done)
2) Make healthy savings, spend wisely (Doing)
3) Ensure healthy pension fund - (Doing)
4) Ensure house is nice, suitable, safe, and located - (Done)
5) Keep everyone happy, healthy and entertained (Done, Doing, Going to do)0 -
BUMP to get a response, thanks!
0 -
The only people able to tell you are Santander so ask them. There really is no point in getting a load of speculative posts here as they mean nothing.0
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Any brokers out there that have experience with Santanders lending criteria?0
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It's always subject to credit score.I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0
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