Is this really possible

Nymphadora

DH and I have offered on a house after getting a dip with Halifax.


We were upfront with our broker about previous adverse and he didn't think there would be any issues but said we had to just apply and see.


Both DH and I have had no negatives on our credit files for 44 months.


Previous to that DH has the following


2008 1 number 1 (late payments)
2009 5 number 1's (late payments)
2010 2 number 1's (late payments)
2011 4 number 1's (late payments)


Previous for me


2007 1 number 1
2008 5 number 1's
2009. 4 number 1's
2010. 7 number 1's
2011 2 number 1's


Also back in 2008 Barclaycard added an Arrangement to pay that reverted to normal back in 2011. which on searching seems they shouldn't have kept the AR for so long and should have defaulted me after 6 months (meaning the account would now not show) as AR are only for a short term.


Joint income £42k. 10% house value £170k. No outstanding debt and no big monthly outlays other than normal bills.


Broker is now off till Tuesday and I am getting myself in a state. Can anyone advise on if we should just forget about the house. We are currently renting.

amnblog

Your broker is best to advise you.

Any opinion here would just be guesswork without knowledge of the facts.

Nymphadora

Thanks for taking the time to reply.

I suppose I was just getting worried after reading that getting a Halifax dip is easy so was in a panic that getting one didn't really mean anything.

Will speak to our broker when I can.