Defaults & mortgage?

pitbullpeebs

I currently have 4 partially settled/settled defaults, these occured because of my marriage breaking down. I sold my house & payed them off but they obviously are still showing on my credit file. I'm currently renting as I don't think I can get a mortgage again at the minute. I've been told that most mortgage lenders will consider you if the defaults are over 2 years old? Is it worth me putting a notice on my credit file explaining the reason they occurred?

[Deleted User]

Best to try the mortgages boards.

National_Debtline

You can try the mortgage boards and you may also want to try an independent mortgage broker before making any applications to the bank. There is a big emphasis on affordability as well as credit ratings. And whilst the older the information is on your credit file the less impact it should have, it may not be sufficient to secure a mortgage.


Please be aware that numerous failed credit searches on your file can also affect you getting future credit.


Laura
@natdebtline