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Mortgage Application Help

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Hi all

Newbie here but really looking for some helpful advice…

Will be applying for a joint mortgage within next 6 months (ideally High street lender)

Joint income is 47k per year, looking at 175k house with a 30k deposit…

Partner has perfect credit, no debts, has also got a mortgage (selling properly currently) 

My credit file, has one account (short term loan, DMP from 2018-2020) partially settled (as they offered me a reduction to settle early)

The DMP/missed payment markers and partial settlement don't come of my report Untill Nov 2026, I have no debt currently and had 5 years of good behaviour credit wise. 

Does anyone know any High street lenders that may accept us?

Cheers

Comments

  • ACG
    ACG Posts: 24,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Reasonable deposit, good incomes and historic. You probably fit criteria with most. 
    But I would probably have a look at anyone who was included in the DMP and avoid them (just as an example, if you had an RBS or a mint credit card, then you probably want to avoid natwest). 

    Fitting criteria does not mean you will be accepted, but like you say there are positives so I would like to think you should be ok. 
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Mark_d
    Mark_d Posts: 2,447 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Why do you want a high street lender?  Last time I got a mortgage I used Mojo Mortgages (online) and they sorted me out with a mortgage from Halifax
  • yoyo1983
    yoyo1983 Posts: 2 Newbie
    First Post
    Hi 
    Thanks for the information.

    I thought High street lenders would be better rates and we wouldn't need to use a bad credit broker who would charge fees to set it up..

    Is there any high street banks you think my criteria would be accepted with ?
  • Strummer22
    Strummer22 Posts: 717 Forumite
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    Mark_d said:
    Why do you want a high street lender?  Last time I got a mortgage I used Mojo Mortgages (online) and they sorted me out with a mortgage from Halifax
    Halifax is a high street lender...
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