Is it worth me applying for a mortgage/AIP?

allotmentprincess

I wonder if anyone can help.

I started a new (permanent, full-time) job in December 2014, having been in full-time permanent employment since graduating in 2011. I also relocated in Dec 2014, currently living in lodgings.

I've been checking my credit files and Experian are rating me at 999, Equifax at 357 and Noddle at 1/5. I am registered on the electoral roll at my present place (had confirmation from local council) but this isn't showing on any of the credit reports.

I also have two late payments from Orange, which I'm trying to sort out as they were due to them failing to set up a direct debit, plus late payment markers dating back to 2004 (!) from a Natwest credit card that I closed in Feb 2004 - having spoken to them it turns out this was for a card protection payment that was applied despite me having cancelled the card. They have admitted fault and have sent me compensation and are clearing the late payment markers.

I'm looking to borrow approx £65k and have a deposit of £60k, so LTV is under 60%. Do I have any hope of getting an OK from a lender? I was going to go with Nationwide or my own bank (First Direct) as they both seem to have good deals. Want a five-year fixed over 32 years.

Anyway, if you've made it through all of that, is it worth me applying for an AIP now, or should I wait six months and try then? Unfortunately I have to move again at the end of Feb.

Thanks in advance for any help you can give.

allotmentprincess

Should add that salary-wise I'm bringing home around £19,500 in both employed and self-employed pay.