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Any hope of mortgage? 2 historical defaults
Comments
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Stitchingtime wrote: »I have been supporting 2 houses for the last 2.5 years while trying to sell one of them.
Negative equity?0 -
Thrugelmir wrote: »Stitchingtime wrote: »
Negative equity?
Yes, negative equity, but I expected that and had a fund aside for it, so that was cleared when the property sold very recently. Does that make a difference to being able to get a mortgage? I assumed as long as the mortgage was paid off, it wouldn't make a difference.
The property had to be sold as was jointly owned, and I had to relocate for work which is why I couldn't stay in it until it sold.0 -
Stitchingtime wrote: »Thrugelmir wrote: »
Yes, negative equity, but I expected that and had a fund aside for it, so that was cleared when the property sold very recently. Does that make a difference to being able to get a mortgage? I assumed as long as the mortgage was paid off, it wouldn't make a difference.
The property had to be sold as was jointly owned, and I had to relocate for work which is why I couldn't stay in it until it sold.
I thought you may still have the property from reading your post. Which would have obviously impacted your application if you did.0 -
That makes sense. Fortunately I managed to get rid of it last month, wouldn't have considered trying before that.0
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I just wanted to update that we now have our DIP and the full application is going in today.
Thank you all for encouraging me to try another broker0 -
better tell your friend that their recommendation was an idiot!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.0 -
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In a nice way!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.0
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