Mortgage with defaults - success stories?

ACG

Something is not stacking up on your post.
On £50k you should not be struggling to get £150k. Surely you would just tick the box to say the halifax mortgage will be cleared by completion and so it would be ignored providing you can evidence it has been cleared by completion (which would not be for 2-3 months).

You probably need another broker as it sounds like there are either other issues you have not mentioned or you need someone a bit more experienced.

Nellbombo81

Thanks so much for replying to me. No other issues at all. 1 CCJ from Sep 2014 and all other credit history is good since then payments all made on time not one missed payment and my only outgoings I have total to £500 monthly.
My house sale was completed in Nov and I have the statement from the solicitor showing it was paid off , it is currently still showing on my credit file obviously as it’s been less than a month. Halifax did say because of the CCJ they would lend up to 100k but I don’t think the broker has tried anyone other than precise and they seem to be asking for a lot of information which I get as they see me as high risk. I don’t want to be tied into a 5 year higher fixed rate when the CCJ will drop off next Sep. I’m now thinking going to another broker might be my best option as the CCJ is the only issue but I suppose it would affect me but not for the next 5 years.

Thrugelmir

How much is the CCJ for?

Nellbombo81

It’s for £3009

ACG

You paid the debt 1 day late? Is it a default or does it just show a "1" on your credit report? 
A "1" just means it was a late payment, not a default. If you have a Default, that means you were about 6 months late.

csgohan4

mattwallis said:

Hello all. I have a similar question. 
My wife and I would really like to try and get a mortgage in about 2 years she is 40 I am 35 
My wife has an great credit score. Mine is not so good. As I have 3 defaults. 2 from about 2 years ago both settled and for around £400
And one from 1 month ago(for £300) cleared the whole balance to vanquis card service but I was about a day late to pay the debt and the default was added, they refuse to contact the credit agency and remove the default. 

But my main question is if I was to make sure everything was kept in order, when we go for our mortgage do you think we would have a chance of getting one. We would hopefully have a deposit of around 40k and the property is most likely to be around 260k 
We both have good jobs earning around 40k (also have pensions if that helps) a year and I have been there for 10years my wife 5 years. 
If anyone could give me an idea that would be great because I cannot stop worry about. 

Thanks in advance

Create your own thread instead of hijacking someone elses