Recommendations for brokers - adverse credit

Butchc

Hi,

My other half and I have found a house we like, have 5‰ deposit and affordability isn’t an issue. However, whilst my credit is relatively clean my other half has 2 defaults. One is over 3 years old and one will be 3 years old in a couple of weeks.

Does anyone have experience of actually getting a mortgage with these issues? And can anyone recommend a broker that deals with defaults? Any we have spoken to have said they don’t or charge through the roof. We’re based in Buckinghamshire.

Many thanks in advance

kingstreet

I suspect you will struggle for 95% with defaults that young.

David_White

What you're asking to do is by no means straight forward as from a lenders point of view you're not bringing much to the table i.e small deposit and credit issues.

A 5% deposit isn't completely out of the question however you most certainly will need a decent broker and I would expect their fee to match their capability.