Brokers opinion?

Muddyball

Hi All,


Would a broker mind running their eye over this, want to get an idea of where we are:


My wife and I are first time buyers currently in Belfast:


We have a joint income of £52k and a deposit of £15k, joint debt of around 5k so not a great deal going out monthly, we are looking at a new build at around £150k


I have 2 defaults both settled, one from 2010 for £170 and one from 2012 for £1000


My wife's credit file in pretty perfect with a lot of settled accounts


Am I right in thinking I am out of the game and maybe focus on getting the mortgage in my wife's name? Co-ownership perhaps?


Thanks

ACG

If it were England or Wales that could be placed all day.
NI is slightly different as they have less lenders. It could be possible but I think you need a NI broker.

Muddyball

Thought as much - is a year in between settling a default usually ok for lenders? I know they all differ obviously