Hoping to buy a house this time next year but I have adverse credit. Any advice?
So background is me and my partner have been together 5 years. I’m not great with money, although am a lot better now. He has perfect credit but is self employed. My credit is currently at the higher end of the “poor” category with all of the agencies.
I have around £7000 debt with numerous lenders which is all with debt collection agencies but I am getting this all paid off and will hopefully be satisfied by June next year. I do also have recent defaults. I have a CCJ from 2019.
I am working hard to improve my credit and do not intend to have any further defaults. If I can manage this, am I going to be able to be accepted for a mortgage? I earn £28,000 and my partner is self employed and earns around £20,000.
Thanks in advance and please no judgement!
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