Broker Question Perhaps? More Lenient High Street Lender

Tatters26

Next mortgage application I'll do I will have nothing more than a car loan on my record, always paid on time, and be two years into a mortgage with no missed payments. I have no debt apart from that, earn good money, but I do have 2 defaults, both five and a half years old so not far from dropping off.

These defaults were an issue for high street lenders when we applied before, and we were turned down by Halifax, Barclays and HSBC. We used a broker who got us a mortgage with Kent Reliance, but ideally I'd switch next time to a high street lender and obviously on a lower rate. My partner's credit is perfect, nothing negative at all and no debt apart from the mortgage.

What we found was dealing with KR and Kensington (they were our back-up) it was clear on their website what they accepted. You could see "we accept 3x defaults over 24 months" etc and you had a very good idea if you'd be accepted. High street lenders it was more apply and see. 

Are there any more mainstream/ high street lenders that are more lenient to someone in my situation? No CCJs but 2 very old and small (<£1000 between them) defaults.

kingstreet

Is waiting until they fall off not an option?

Many lenders will ignore historic adverse but don't publish that they do this. Most high street lenders use a soft search so a little trial and error won't hurt.