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First time buyer

Dawn28
Posts: 11 Forumite

I'm looking to buy my first home but I have old settled payday loans on my account from 2016 to 2019 but nothing since and my credit scores range between good and excellent now. I have two credit cards I pay off each month in full. What are my chances of getting credit from a main lender like Santander/ Halifax as these payday loans will be still showing on my credit reports.
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Comments
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@dawn28 On its own, 2+ year old pdl history should not stop you from getting a high-LTV mainstream mortgage.
I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.
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Thank you for replying and passing over this information.0
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Do all your mainstream banks check all three main credit agencies or do some only check one or two out of the three?0
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