could we should we??? we would - but partner has delinquent account :(arrrhh t mobile

thefoodstop

Hi I would like to thank everyone in advance for any advice given all appreciated!!!

My partner and I where hoping to get a mortgage shortly although we may have missed the boat as prices in our area, Bedfordshire are expensive for ftb.
We have a 25k deposit from savings and sale of a car and we are both currently employed
I have been with current employer 9 months i earn £19200 before tax.
I have checked my credit score and it was v good although I was not on the electrol role at current address, I have since amended this so hopefully my score would of improved since the electrol update.
my partner is also employed she has been with current employer 6 months and earns £16500 before tax.
The problem I see is, after checking her credit score she also was not on the electrol role which I have also amended and she is on there now.
My partners credit profile its showing a delinquent account from t mobile ( aarrhh no wonder they changed there trading name) the problem was she had a sim only contract few yrs ago which she believes she was mis-sold hence a disagreement over a bill which she complained to t mobile about which fell on deaf ears so she refused to pay the disputed bill, hence they have damaged her profile.
that's the only finance she has apart from a current account overdraft with Barclays although she does not actually use the overdraft
I am wondering if we can get a half decent mortgage rate as we seem to be fighting a loosing battle.
We are ftb although we nearly purchased back in 2008 from our then landlord who took us all the way to exchange of contract and pulled out a week before our then mortgage offer expired and evicted us .
With prices going through the roof we are very wary although we really would love our own home.
Thanks for any help/ advice
regards

ACG

Thats really difficult to read - any chance of putting it into paragraphs?

From the bits I did read, I think you will be able get a mortgage with the help of a broker at farily normal rates but it would come down to the finer details.

thefoodstop

hi, Thanks for your response, I hope I have made it a bit easier to read

ACG

Not really but I gave it a second shot.

When is the default with tmobile dated?
If its 2 years plus you would need a 15% deposit. If its 3 years + then you may get away with a 5% deposit.

Normal-ish rates should be achievable but you should speak to a broker.

thefoodstop

hi thanks, apologies for the grammer. the default date was 10/07/12. we do have a 25k saving deposit and expect to purchase for approx. £150k- £175k. I appreciate your help regards

ACG

So next month a 15% would be needed. Speak to a broker and im sure there will be 1 or 2 options.