Can we get a mortgage? Type of likely rates advice if possible

PanPen

No I understand thanks.  As I say we are paying the 8.25% rate and usually between £100 and £400 extra per month for the past 9 months so I'm hoping that will help eventually. I'll aim to clear arrears by March and then hopefully by Autumn we should have a better chance. Plus interest rates may have fallen slightly by then and as we are on their SVR 

PanPen

Hi,

Just returning to this as I was re reading and have a couple of additional questions.  

The credit file still shows as 1 month in arrears, although we have paid at least the normal payment and often way more than the payment due every month since last Spring. This is purely the historic arrears.  

I noticed someone above says about a default. But we have no defaults as such. The credit file shows the one month arrears and a late gas payment (not a default, just a few days later) in 2018. There are no ccjs or anything like that.we have no loans out, no credit cards etc.
Arrears are on course to be cleared in full in March. 

Once we have those gone, is 6 months the ideal wait or any chance sooner would work? 

Also I sometimes use PayPal to buy things as it offers some protection and as I say we don't have a credit card. Would Pay in 3 PayPal things be frowned upon? 

if we do decide to go ahead later in the year how many months of bank statements would likely be required?

Sorry final question, if my OH gets overtime every month showing on his payslips would any of that be taken into account on mortgage multiples?

Thanks so much for all the help.