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First mortgage defaults due to drop off
PedroSwfc
Posts: 4 Newbie
Let me start with the normal bits first
Found a house 140k and have a deposit 14k also have help to buy isa with my high street bank. Now the tricky bit just over 6 years ago entered into a dmp this has now finished with debts satisfied with lenders, I have 2 defaults both with my previous bank one due to drop off 01/08/2016 and the other 08/10/2016.
Since then only lending I have had is a credit card to build my score had this for 9 months and the limit has been increased 3 times, I have always paid the bill on time and in full.
I have done a AIP with my bank natwest and this went through fine, they have called me numorous times wanting to setup a appointment. I have been offered credit cards and loans from them also.
Should I wait until the defaults drop off before applying or is it safe to apply with natwest or a broker.
My incomings are around the 43-44k mark
Found a house 140k and have a deposit 14k also have help to buy isa with my high street bank. Now the tricky bit just over 6 years ago entered into a dmp this has now finished with debts satisfied with lenders, I have 2 defaults both with my previous bank one due to drop off 01/08/2016 and the other 08/10/2016.
Since then only lending I have had is a credit card to build my score had this for 9 months and the limit has been increased 3 times, I have always paid the bill on time and in full.
I have done a AIP with my bank natwest and this went through fine, they have called me numorous times wanting to setup a appointment. I have been offered credit cards and loans from them also.
Should I wait until the defaults drop off before applying or is it safe to apply with natwest or a broker.
My incomings are around the 43-44k mark
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