Adverse credit mortgage advice please

Penri1980

Hello

I’m looking for a bit of advice on the possibility of getting a mortgage with my adverse credit history. I have an EE default of £61 from Jan 2019 which was satisfied in August 2020. I also have a mobile broadband late payment (settled 3 months arrears - £93) from May 2019 and a credit card late payment (settled 1 month arrears - £30) from February 2020.

I don’t have any debt, I have a salary of £93k with additional annual bonus and am looking for a mortgage of about 75-80 LTV. Is this realistic and if so, what kind of rate am I likely to be looking at? I understand that these adverse events will drop off my file after 6 years, but does the impact diminish over time before then? Also, are there any mortgage advisors that anyone could recommend who specialise in adverse credit applicants? 

Thanks for any help in advance

ACG

I reckon you should be able to get normal rates or very close to normal - somewhere between the 4-5% mark (normal at that LTV would be around 4% to 4.5%). 

Get your credit reports in front of a broker. You should be fine though, satisfied and fairly historic go in your favour. 

Penri1980

Thanks for your encouraging comment @ACG. I’ve sent my credit file onto a mortgage brokers this afternoon, so I’ll see what they come back with. Thanks again.