Preperation to buying first home, need help.

LTNRW

This may be a long post so I'll start by thanking all who are able to assist me as I begin this seemingly impossible journey haha.

I am late 20s now, free accommodation, very few household bills. However I do run a car and pay for things such as food, portion of council tax etc.
I also have a storage unit which I pay for which contains a lot of household items I've had from previous renting.
I have two dependants. And a student partner.

I'm in full time employment and have been for years.
Currently my basic is £21,000 however I have near constant overtime which regularly pushes it to about £24,000.

I would be looking to purchase a property in the region of £75,000
And I hope to save for at least a 10% deposit.
So ideally a mortgage of approx £68,000.

My monthly regular outgoings are:
Storage unit £165.00
Fuel £60
Insurance £85
Tax £15
Mobile £20
Media subs inc consoles and Netflix etc £30
Food £300ish I try to stay at around 80 a week.
I contribute under £50 to the household
( which I am incredibly grateful for)

Of course there are costs involved in simply having two children etc. But we all lead relatively simple and cheap lives haha. I neither drink nor smoke.

The biggest issue for me is my credit history..
I'm using clearscore to check.

I have 2 open accounts
Which are virgin media accounts I took out for a relative
1. Shows £0 and is always paid
2. Shows £12 and is late. Always shows late. But I have no idea what this account actually is..yet.

Closed accounts.
I have two closed accounts showing.
But the grand total of these is £2150

I'm ashamed to say it, but one was a doorstep loan took out years ago and struggled to clear.
One was a credit car which is forgot to pay and by the time I realised it had defaulted.
Both are years old but updated mid 2019.

What should my initial steps be here?
Is it at all possible I can start the mortgage ball rolling at this time?
I can clear the debts in full within 12 weeks
But I'm cautiously hoping that I be able to start this process ASAP as Im becoming increasingly desperate and determined to bloody be an adult and buy a home.

Many thanks to all who have read
I hope this is the correct forum to post on
I appreciate any and all help.
Thank you.

Lee

ACG

You adverse does not sound too bad.
I think it would be a good idea to speak to a broker and get your credit report (sounds like you already have) as the devil is usually in the detail with credit reports especially at 90%.

From what you have said I would like to think there is an option - providing the virgin account is brought up to date - shouldnt be too difficult at £12. It sounds like your relative has maybe set up a standing order or something and just pays it late. I dont think you are going to be getting normal rates though.

LTNRW

Thanks for your response ACG

is it worth seeing a broker early on? Or waiting until all debts are cleared and full deposit raised?

Debts should be paid within the next 8 weeks

deposit saved in around 18 months using my help. To buy isa.

Many thanks 

ACG

No harm seeing a broker early but 18 months is probably a bit too soon, maybe leave it until a month or 2 before.