How likely am I to get a mortgage

Savinglady

Hi

I am wanting to apply for my first mortgage. I have two defaults from April 2012 both under 1k and settled. I have one from wonga for 250 settled in march 2015( stupidity know).

My partner has one default from 19 months ago for 4k credit card and settled.

I have an overdraft of 2000k and no other debts. My salary is 22,475 I am a nurse, I have been in employment since sept 2014. My partner salary is 70,000 and he has been employed at the same place for five years. We have a £20,000 deposit and we are looking to borrow £150,000.

Am I likely to be approved following my silly mistakes

Thanks in advance

kingstreet

There is no point speculating here.

Go see an independent broker and they will roadmap/timescale what will be possible and when.

Defaults in the last two years are going to mean nothing will be available now at high street rates.

Savinglady

Do things change default wise after two years, does the amount matter

obay

Savinglady wrote: »

Do things change default wise after two years, does the amount matter

Yes! I have just found this out! The default will change everything. Best thing to do is go to a broker. I'd suspect they will put you through with presice..

Savinglady

I mean after two year is it easier to get one with a default