Do we have a chance? Coronavirus impacted debt and getting a mortgage

VAelizVS

Hi all 
Hoping for a little advice as to not completely waste a mortgage brokers time with this. 

We have recently had a baby (found out I was pregnant before being placed on furlough for months) and we currently live in a 2 bed property. My partner who worked in an office has now permanently been told to work from home. Along with this he has had a fairly big pay rise and even on maternity we take home gross £60k between us. Unfortunately due to the pandemic/low income we had for a few months it set me behind with a couple of credit cards and I received 2 defaults. These are currently being paid off and I have spoken to both creditors regarding this. 

My main question is, with these active would we have any chance of getting another mortgage? I know applying is much more complex etc but does anyone have a general idea on whether there’s a chance or to leave it 6 months or so? 

We are just extremely restricted space wise at the moment and would ideally like to move somewhere bigger ASAP 

[Deleted User]

satisfied defaults are better and waiting for longer is better.  But that doesnt mean you might not have options now.   Best thing i can say is to get yourself in front of an experienced adverse broker and see what options there are.  You might look at the figures and decide to wait until one of the better deals is available. 

Knowledge is power so get all the info you can and go from there.  

I got a mortgage for someone with a 3month old £6000 CCJ they had no intention of paying back if you want a reference of what is technically possible.   Too many variables though and more info needed than you would want to put in a forum so get some advice from a broker