We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Defaults stopping me from getting a mortgage

MBH7112
MBH7112 Posts: 3 Newbie
Third Anniversary
in Mortgages & endowments
My partner and I are trying to get a mortgage together. We tried in January, but a CCJ stopped us. I have had this successfully set aside. I also have a dozen defaults against me, the last in March 2017. The vast majority are from 2013 and 2014. I also have a satisfied CCJ from 2014 on my credit report. Can anyone recommend a lender or broker that would be able to help us? Thanks.
«1

Comments

  • ACG
    ACG Posts: 24,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    You need a broker really.

    There is a possibility of high street rates but depending on the details you may be looking at a more specialist lender.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • haras_nosirrah
    haras_nosirrah Posts: 2,208 Forumite
    I recommend contacting ACG above if he is taking clients - his niche is adverse
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • LawAbiding
    LawAbiding Posts: 295 Forumite
    Fourth Anniversary 100 Posts
    I agree with the above
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    I also highly recommend him to, even just to find out where you stand at the moment and what you need to do to get your mortgage.

    Very knowledgeable, friendly and approachable!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • ACG
    ACG Posts: 24,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Im loving this thread!

    Anyone else? :)
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • claireelliott86
    claireelliott86 Posts: 18 Forumite
    I highly recommend ACG (Mortgage Success Ltd). I recently received my mortgage offer through these guys and they have been fantastic.
  • haras_nosirrah
    haras_nosirrah Posts: 2,208 Forumite
    Have started you a fan club there acg
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • LRmortgage
    LRmortgage Posts: 484 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    I’m a broker, but I still recommend ACG as above as he specialises in adverse cases and from what I’ve heard is great!
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • csgohan4
    csgohan4 Posts: 10,600 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Photogenic
    +1 To ACG, he got me my mortgage and I am not Adverse either, sailed through my offer for self employed with 1 years accounts and competitive interest rates


    He even offered he would do it for free should I ever need a million pound mortgage for a laugh. Might take a few lifetimes to get to that level though.
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ Bowlhead99 RIP
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wonder if the OP will return? :think:
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture