Ft mortgage broker or high street?

Liverlad67

Looking to buy house value approx 100k. Salary 40k. Only credit is cc paid in full monthly no more than 25% used at any time limit 2k. All up to date payment wise. Only negative on credit file is a ccj that drops off September 2016. Already have 10% deposit saved looking to go to skipton as they only need 10% deposit. Just worried that I get the knock back and damage future applications with others. Is it worth applying or saving more and going to a broker with the 10% read somewhere they like you to have at least 20%. Thank you for your time.

Liverlad67

Forgot to add the ccj was paid off in 2012 and is satisfied.

Thrugelmir

Saving a larger deposit will only have a positive effect on your application.

andyfromotley

It all looked so straightforward until you got to the CCJ!

I say try the Skipton. if you get knocked back go to a broker who will be able to help you with a lender who will take your CCJ. One application isn't going to kill your history.

Or just bite the bullet and go to a broker now, it'll be quicker probably and they will know other lenders who might suit your needs better?

Don't think either option is terrible.