Chances of getting a mortgage after Trust Deed

Newhome21

Hi all, first time poster but I have seen lots of great advice on MSE before so thought I would check to see if you lovely people could give me some help / guidance or thoughts on my situation and whether this is realistic or not, any help would be very much appreciated - sorry in advance for the long post.  
Looking to purchase a new build (estimated completion Mar/Apr 21) with a 15% deposit 
Current mortgage is with Halifax and has been for over 11yrs - never had any issues/payment problems (Didn't need a payment holiday due to coronavirus) 
Concerns: both my partner and I had a trust deed in 2014 - Recently fallen off our credit files, any associated defaults either have or are just about to fall off within the coming weeks - Credit Reports are looking fair/good.
we have no other finance: car is paid off, credit cards are at £0 balance, no loans/HP  
we are both in Full Time employment (Take home pay is £3,500pmth) - neither of us have been affected with coronavirus (thankfully)

Do you think we have any chance of getting a mortgage with Halifax or any other provider now that 6years has passed and if so is 15% deposit sufficient or would we be needing more?
Has anybody managed to get a mortgage after a Trust Deed / DMP / IVA?
Thanks in advance.  
P.


 



  

Newhome21

Sorry as I don't seem to be getting any responses to this query - Does anyone know if this is posted in the wrong forum?
New to this forum so not sure if it's in the right place or not

MovingForwards

The problem you have is most people are not familiar with a Trust Deed on this forum.
Plenty of people have got mortgages after being in debt, after bankruptcy etc.

You will need a broker who understands TDs.

I used an English broker (who posts on MSE) as I didn't like the way one spoke to me, when I popped in to make enquiries one day. 

@ACG is the broker I used and thanks to him I'm sitting in my own home.