We want a mortgage

nubbins

Yes I did and the way I read it is that you haven't been saving long presumably because you've been having 2 or 3 holidays a year and now want a lender to give you 250k whilst you borrow most of the deposit from a family member, have I got it right?

Thrugelmir

Happydays_game wrote: »

In honesty we haven't been saving for long.

We have enjoyed holidays 2-3 times a year and now realise that's not the best move for our long term future.

Congratulations on having your light bulb moment. It's a major step forward just by having the right mindset.

You don't mention whether you currently owe any money. Credit cards, loans etc.

she: credit score 737 with a couple of missed payments for a couple of hundred quid only missed due to personal circumstance at the time.

Unless hospitalised should never of happened.

He:851 with four aged default all of which are all satisfied as are above.

Age of default, settlement date and amounts will impact a lenders decision. As all 3 factors paint a picture of you as a potential borrower.

Start saving seriously for the deposit in any event. As you are heading in the right direction. You have the power to influence the outcome.

Pixie5740

You can save yourself some money by cancelling whatever it is you've signed up to that generates those pointless credit scores. There's no such thing as a universal credit score and if those numbers have been made up by a CRA who cares what score they award you as CRA don't lend money.

Happydays_game

This was a free service

Pixie5740 wrote: »

You can save yourself some money by cancelling whatever it is you've signed up to that generates those pointless credit scores. There's no such thing as a universal credit score and if those numbers have been made up by a CRA who cares what score they award you as CRA don't lend money.