Getting a mortgage with defaults

Kiwistrawb1990

NatalieAGC said:

Well personal preference on paying for credit files. I pay for mine and have done for the last 2-3 years. It’s small token each month and gives clear view of your personal financial data which is very important!  You can access free but they only give you monthly view and will have to wait another 30 days for new update. . So not accurate real time data. 

I have a settled £800 default from 2015 and as yet not got mortgage in place... may be able update in 2-3 weeks but as yet still looking with Broker. 

Just the one default? What's your deposit? Before Halifax thought I was in a DMP they were happy to accept with a default from 2016 and 25% deposit x

NatalieAGC

Yes just the 1 default. 15 / 20% deposit. I think Halifax was mentioned with broker tbh just being messed around with vendor at moment 

jazzyja

NatalieAGC said:

Well personal preference on paying for credit files. I pay for mine and have done for the last 2-3 years. It’s small token each month and gives clear view of your personal financial data which is very important!  You can access free but they only give you monthly view and will have to wait another 30 days for new update. . So not accurate real time data. 

I have a settled £800 default from 2015 and as yet not got mortgage in place... may be able update in 2-3 weeks but as yet still looking with Broker. 

You have been declined for a mortgage because of a 5 year old default?? Yikes. 

NatalieAGC

jazzyja said:

NatalieAGC said:

Well personal preference on paying for credit files. I pay for mine and have done for the last 2-3 years. It’s small token each month and gives clear view of your personal financial data which is very important!  You can access free but they only give you monthly view and will have to wait another 30 days for new update. . So not accurate real time data. 

I have a settled £800 default from 2015 and as yet not got mortgage in place... may be able update in 2-3 weeks but as yet still looking with Broker. 

You have been declined for a mortgage because of a 5 year old default?? Yikes. 

I didn’t say declined, I ain’t applied Few dips just not applied fully  Still at early stages yet and potential vendor backing out so I have time on my side at moment .  

jazzyja

NatalieAGC said:

jazzyja said:

NatalieAGC said:

Well personal preference on paying for credit files. I pay for mine and have done for the last 2-3 years. It’s small token each month and gives clear view of your personal financial data which is very important!  You can access free but they only give you monthly view and will have to wait another 30 days for new update. . So not accurate real time data. 

I have a settled £800 default from 2015 and as yet not got mortgage in place... may be able update in 2-3 weeks but as yet still looking with Broker. 

You have been declined for a mortgage because of a 5 year old default?? Yikes. 

I didn’t say declined, I ain’t applied Few dips just not applied fully  Still at early stages yet and potential vendor backing out so I have time on my side at moment .  

Oh sorry my apologies. Read it wrong