Will we be able to get a mortgage?

wayneunique

Right, the current situation is that myself and my partner are selling up and looking to move in to a new house. We have currently got a buyer and found the house we want.

My partner has a good credit rating while myself does not, even though current debts just been paid up (£145) and I'm also in discussion with Nationwide over a debt of £220 on my old account which shouldn't of happened.

We are looking for a mortgage of £185,000 as after selling the house we will have a deposit of £50,000.

I earn £24,000 and my other half £28,000.

Will we have problems getting a mortgage in the current climate?

Many thanks.

herbiesjp

YOu should still be able to find a mortgage, as the £50k is a good deposit to put down

Have you got up to date copies of your credit files from Equifax or Experian?

wayneunique

herbiesjp wrote: »

YOu should still be able to find a mortgage, as the £50k is a good deposit to put down

Have you got up to date copies of your credit files from Equifax or Experian?

No, not checked them for a little while but I got a Blackhorse loan a few months ago.

I will have to check my credit files online over the weekend.