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Defaults and Getting a Mortgage
gregthacker
Posts: 1 Newbie
Hello, I could do with some advice, here is the situation.
I am recently married and me and my wife are looking to move, we currently live in a house she owns so to upgrade we would need to get a joint mortgage.
The problem is I have a default on my account from a year ago and a poor credit rating from a credit card.
What I would love is some advice on ways I can either get the default gone and increase my chances of being able to get a mortgage.
It is worth saying my wife has an impeccable credit rating.
I am recently married and me and my wife are looking to move, we currently live in a house she owns so to upgrade we would need to get a joint mortgage.
The problem is I have a default on my account from a year ago and a poor credit rating from a credit card.
What I would love is some advice on ways I can either get the default gone and increase my chances of being able to get a mortgage.
It is worth saying my wife has an impeccable credit rating.
0
Comments
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Hi gregthacker and welcome to the forum
It is possible to get a mortgage when you have negative data recorded on your credit files. You would just need a mortgage broker who specialises in adverse data.I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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You can’t “get the default gone”.
It will automatically be removed 6 years from the date of default.0
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