Mortgage with defaults on credit file

f1umpet

Hi all,

When my marriage broke down four years ago my ex-husband stopped paying a loan that was in joint names, the bank issued a default on the loan and he remains in arrears (it was money to pay off his previous debts so I don't and haven't been able to pay towards it). Our house is now being sold so this will finally be paid off.

I live in a rented house at the moment and my landlord is about to increase my rent so I wondering whether any people with insight could give me an idea what my chances of getting a mortgage might be. I feel unsettled in a rented property and would love to live in my own house again.

When the house is sold I will be debt free and have a 20-25% deposit available. The only items on my credit file are two defaults related to the loan and linked current account. Everything else is up to date or settled. I know the numbers mean nothing but just for an idea Equifax says my rating is 379 and fair.

Any help is greatly appreciated

amnblog

You have possibilities subject to affordability.


Broker only application.