Help getting a mortgage

starjean2020

Sorry for the long post but I’m just looking for some advice, I am a single parent with two small children and looking to obtain a mortgage,
I work part time and I am in receipt of working tax and child tax (which I have been told it gets took into account) I had an agreement in principle from Barclays, I am wanting to buy a house for £60,000 the problem is I have 3 old defaults all settled (one I did not even know was there! And shouldn’t even be there ) all defaults have been settled and they are dated from 2015/16, 2 of them will be gone next year and one then year after. I have the 10% deposit for the mortgage but does any one know how likely it is for me to actually be accepted?
The defaults details are 
Lowell account - default date 2015/ settled £160
Lowell account- default 2015 (all paid this month as I was paying monthly but decided to pay £150 to close the account this month) was £350 settled
and N-power/default date 2016 £330 did not even know this was there. currently dealing with an ombudsman as I don’t actually owe this! But paid it just to settle the accounts.
I have had an affordability check done and said they would be willing to lend me the £54,000 I need but the broker I was dealing with said he didn’t know if I would pass the credit checks.
I have the option also of a springboard mortgage so my parents are willing to put the 10% in and I could also put 10%? 

And I have spoken to some one from Barclays that told me they only take into account any default or credit issues within the last 3 years, which obviously I don’t have.
can any one give me any advice on what to do? I have private rented for the past 5 years at the same address
sorry for the long post and thank you 

starjean2020

starjean2020 said:

Sorry for the long post but I’m just looking for some advice, I am a single parent with two small children and looking to obtain a mortgage,
I work part time and I am in receipt of working tax and child tax (which I have been told it gets took into account) I had an agreement in principle from Barclays, I am wanting to buy a house for £60,000 the problem is I have 3 old defaults all settled (one I did not even know was there! And shouldn’t even be there ) all defaults have been settled and they are dated from 2015/16, 2 of them will be gone next year and one then year after. I have the 10% deposit for the mortgage but does any one know how likely it is for me to actually be accepted?
The defaults details are 
Lowell account - default date 2015/ settled £160
Lowell account- default 2015 (all paid this month as I was paying monthly but decided to pay £150 to close the account this month) was £350 settled
and N-power/default date 2016 £330 did not even know this was there. currently dealing with an ombudsman as I don’t actually owe this! But paid it just to settle the accounts.
I have had an affordability check done and said they would be willing to lend me the £54,000 I need but the broker I was dealing with said he didn’t know if I would pass the credit checks.
I have the option also of a springboard mortgage so my parents are willing to put the 10% in and I could also put 10%? 

And I have spoken to some one from Barclays that told me they only take into account any default or credit issues within the last 3 years, which obviously I don’t have.
can any one give me any advice on what to do?
sorry for the long post and thank you 

Sorry forgot to add, I currently have no debt at all, no bad credit for nearly 50 months, up to date on all bills , no long term or short term debts and my credit score is fair.