Starting to worry!

Mrh1019

Hi hope you are all having a nice Sunday! I’ve posted a few times over the past week and everyone has been really helpful. Seems like the more info I get the more I worry though. My main concern is that we are 6 years 10 months post bankruptcy (5 years 10 months post discharge) and in addition to this my husband is a CIS subcontractor. 

From my research and previous post it seems like there is only really Halifax with whom the bankruptcy won’t be an issue and they will take his gross income? Feels a bit scary putting all our eggs in one basket! X

thanks again x

dimbo61

Are you using a broker ?
Making lots of mortgage applications will require a hard search on your credit file so really you want the right lender for your circumstances.
We used a lender as our case was complex and they helped us through the process.
Money well spent 

Mrh1019

Hi yep I plan to use a broker but wondering if I should be using a specialist CIS one? Xx

jamielutz1987

Mrh1019 said:

Hi yep I plan to use a broker but wondering if I should be using a specialist CIS one? Xx

 @Mrh1019 If Halifax may be an option, why not just go to a normal broker first and if they can't help then consult with specialist brokers?

Mrh1019

jamielutz1987 said:

Mrh1019 said:

Hi yep I plan to use a broker but wondering if I should be using a specialist CIS one? Xx

 @Mrh1019 If Halifax may be an option, why not just go to a normal broker first and if they can't help then consult with specialist brokers?

I will, I’m just ridiculously nervous!! Xx