Mortgage after repossession (10 years ago)

homebuyer99

Hi,
I went BR with a voluntary repossession in 2012 - following a relationship breakdown.
I have since got my life back on track and wondered if I could now get a mortgage?
partner has approx 140k of equity and earns 12,000. I have no equity but earn a 55k basic plus around 40k in bonus. We would be looking for 350,000 mortgage 
my credit files are now perfect and show no history of the repossession.
I am thinking of applying to the Halifax for a DIP, please could you advise if this will be an issue in your opinion.
my conduct since has been perfect, just went through a bad time in my life - current credit files so everything paid on time and minimal credit utilisation
 thank you 

K_S

@homebuyer99 While some lenders have a blanket no to anyone with a historic repo or BR, plenty are fine if 6+ years in the past. These two factors by themselves should not stop you from getting a mortgage at mainstream rates. Good luck!

homebuyer99

Thanks KS - do you know which high street lenders are okay with it?
Also would a lender be able to find out? 

K_S

homebuyer99 said:

Thanks KS - do you know which high street lenders are okay with it?
Also would a lender be able to find out?

@homebuyer99 There's a long-list of lenders. I don't know whether/how a lender will be able to find out or not, but the lenders that have an issue will most likely ask the question as part of their intial yes/no qualification questions at DIP stage.

For example -

homebuyer99

Great - thank you