Completed Mortgage for 2016

Nickuk84

Hi

I'll give the basics.

Between 2010 - 2012 I self destructed, and got into a lot of debt and had pay day loans... very bad.

In 2012 due to this I moved in with my girlfriend who owns 45% of a share in a house, all is good (she saved my life). I then spent 2012-2014 paying off all my defaults (I had 6 in total, 3 in 2011 and 3 in 2012) so they are all fully settled and largest one is £600.

I earn well (40k+bonuses usally 4k) , and my girlfriend earns similar (37.5k not incl bonuses but will likely go to part time next year to earn £25k), and we now have a baby boy, 6 months old and all is well.

Except now my girlfriends brother wants to move out so the idea is in 2016 I'll buy the house with my girlfriend who has never even missed a payment before, current valuation is £250,000 . At current valuation we have £25k in equity in the house as a 45% share, we also will have saved up £18k in total so we have enough for 15% deposit and the rest for stamp etc. I usually get a 4k bonus around this sort of time if I needed a bit extra and have family who can "give" us money if absolutely necessary although ideally we want a few quid to fix some stuff in the house.

My big worry is I'm going to get to may 2016 (mean defaults are 4 yrs old) and not going to find anyone to lend us and we'll be screwed...

Can anyone a, give me some assurances it will be fine, I've looked at a lot of adverse lending documentation aimed at intermediaries and there are quite a few building society which claim to lend at people with no defaults etc for 3/4 years but worried the amount I have will make them think twice and b, any mortgage brokers in the south east who are whole of market and also wont charge until we have a mortgage confirmed?

Thanks

Nick

Nickuk84

Anyone know how I can change thread title? completed mortgage is completely inappropiate should read "broker advice needed please"