Mortgage with defaults

Jolly_Lolly1982

My partner and I are looking to get a mortgage. Ive previously had a mortgage with my ex husband, and my credit is 999/999 so as good as it can get. My partner unfortunately got himself into bother and has about 6 defaults, all now settled back in 2022. We have also just paid his car off in full but financial advisor could only get us a mortgage at 6.7% when the high street is around 4.5%. We have been advised to wait until 3 years after the defaults which will be August this year. Has anyone any advice or experience on this please. Thanks 

ACG

What LTV are you looking at? 
When were the defaults registered? 

With 6 defaults, its unlikely to pass high street rates even once they have been satisfied for 3 years. 

I think you can get lower than 6.7%, but not 4.5%. I would say maybe around 5.5%-6%.