Joint mortgage & Default

Rei11180643

Hi, I’m wondering if anyone could help me out. 

Basically my partner and I are applying for a joint mortgage both have good incomes & are planning to put down a large deposit. 

Last year I got a default from one of my credit cards as the letters were going to my old home address and I never noticed it. Nothing I can do about it now. It wasn’t a massive payment back, was £160 and is all paid off now. I’m just dreading going to apply for this joint mortgage and this setting us back. I’ve been assured by a few people that I will be ok but I just wanted to get some feedback if anyone has been on the same boat? 

Thanks! 

[Deleted User]

A single, satisfied, default is unlikely to be a major issue, if you search this forum you will probably find plenty of people who do it - by that I mean that many people join the forum, post once or twice and disappear, so asking anyone currently on the forum may not get many results but there probably will be. A good deposit and otherwise excellent credit history should be fine, but speak to your mortgage advisor if you are concerned.

Jamesyb123

There are mortgage advisors who specialise in obtains mortgage offers with defaults a quick internet search should find them