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Do I change from zero hours to a contract?
Mrsjy
Posts: 15 Forumite
Hi, this may drag on a little so I’m sorry in advance!
Me and my husband are hoping to get a mortgage but have bad credit.(lots of defaults will all be 2 years old by march, and a ccj (paid) registered jan 2019) Deposit is gifted and waiting for us...the plan originally was to carry on paying very small token payments to all the defaulted debts so we could save for all the extra fees involved and furniture etc. But then decided to throw all money saved into the debts to clear so we will be debt free in around 2 months. Anyways...we’ve realised we are going to have to wait till march time once all defaults And the ccj are 2 years old but i’m on a zero hour contract. My husband is permanent is same job for around 5 years. I can change to a contract with my current employer if I wanted but ideally wouldnt want to (long story but it will effect holidays and will mean me travelling alot further). So im wanting to know if lenders like precise, kensington, aldermore, vida homeloans will accept me on a zero hour, if so how long will i need to be on the zero hours (only started feb this year) If I changed to a permanent contract then would any of those adverse lenders accept us after say 3-6 months of being on a permanent contract? Sorry for dragging that out! Thank you
Me and my husband are hoping to get a mortgage but have bad credit.(lots of defaults will all be 2 years old by march, and a ccj (paid) registered jan 2019) Deposit is gifted and waiting for us...the plan originally was to carry on paying very small token payments to all the defaulted debts so we could save for all the extra fees involved and furniture etc. But then decided to throw all money saved into the debts to clear so we will be debt free in around 2 months. Anyways...we’ve realised we are going to have to wait till march time once all defaults And the ccj are 2 years old but i’m on a zero hour contract. My husband is permanent is same job for around 5 years. I can change to a contract with my current employer if I wanted but ideally wouldnt want to (long story but it will effect holidays and will mean me travelling alot further). So im wanting to know if lenders like precise, kensington, aldermore, vida homeloans will accept me on a zero hour, if so how long will i need to be on the zero hours (only started feb this year) If I changed to a permanent contract then would any of those adverse lenders accept us after say 3-6 months of being on a permanent contract? Sorry for dragging that out! Thank you
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