Urgent Mortgage 2023- payday advice

Robbobss

Fffffffffff

PartyOfFive

The answer to all of your above questions is that you need to speak to a mortgage broker.

penners324

Work out why Equifax show late payments and clear that up.

Speak to a mortgage broker.

Get the loans cleared down ASAP.

penners324

Use savings if need be.

On £80k you're taking home £4.5k a month 

MorningcoffeeIV

Keep all the cards. You already have an existing loan, a history of payday loans and missed payments. 

Don't make things worse by having your available credit lines closed.

MEM62

Just an observation

Robbobss said:

I earn 78-82k per annum full time 

Robbobss said:

I’ll be using a Lisa that I’ve saved 10k in and also have 5-6 k savings

That should be more based on your earnings and outgoings.

Robbobss said:

have about 3k for fees etc.

That probably won't cover it.  
  

PartyOfFive

You’re asking questions that are akin to “how long is a piece of string?”

The answer to all of your above questions is that you need to speak to a mortgage broker.

[Deleted User]

You're on 78-82k per annum.

Your salary history, alone, will show enough evidence that you can afford the borrowing and that the historic loans are behind you and that you're credit worthy.

Our financial history shows lenders/businesess everything they need to know about us - they can see you're a high earner , don't worry about it.