95% Mortgage?

ACG

95% mortgages are freely available but where you have a default your options will be reduced.

When was the default registered? If over 3 years you should have at east one option.

If you satisfy the default you MAY have more options, but no guarantees. The sooner you satisfy it the more chance you have of an application being accepted but again it is a bit of a toss up as it may help, but it may not.

GMac14

Default is listed as account settled 30/7/2013 balance £956, last updated 4/2/2018. I have £700 saved with £400 a month available for saving/bills, car service/tax/repairs due in June, car done 100k miles so expecting new timing belt @£500 plus £250 and £250 for car tax and service, so once car has been done I will throw balance at debt and pay rest off asap over next few months.

So the idea being it will be well over 12 months before i can save enough for deposit, so this default will have been settled for at least 12 months before trying for mortgage.

ACG

If you get an experienced broker when the time comes, there is a chance of high street rates. It is a little hit and miss as I can not see the rest of your file etc. Try and avoid the estate agent type brokers, they tend to be new with limited experience.