CCJ, low credit score, 50%deposit wanting a mortgage

marmite135

Hello everybody, first time posting!! Looking for some advice! 
Been renting with partner for 3 years, managed to save a 50% deposit for a house, joint income £90.000 PA 

Partner has great credit score, mine pretty poor, getting back on track but 1 CCJ on my file added last year as a result of previous marriage.

Both full time nurses, what are our chances of a mortgage?

Thanks everybody

ManyWays

why didnt you pay the CCJ if you have a lot of savings?

MyRealNameToo

marmite135 said:

Partner has great credit score, mine pretty poor, getting back on track but 1 CCJ on my file added last year as a result of previous marriage.

So there was a court judgement against you and you failed to pay it within a month? Why if you've got savings?

Assuming you didnt pay within the month what's the status of it now? Settled or Outstanding?

powerful_Rogue

marmite135 said:

Hello everybody, first time posting!! Looking for some advice! 
Been renting with partner for 3 years, managed to save a 50% deposit for a house, joint income £90.000 PA 

Partner has great credit score, mine pretty poor, getting back on track but 1 CCJ on my file added last year as a result of previous marriage.

Both full time nurses, what are our chances of a mortgage?

Thanks everybody

I'll give you a credit score of 845. It has about as much impact as the one you see which is only visible by yourself and the credit reference agency. It's a made up number and has no bearing on anything.

The report is the important part which lenders will look at, including your CCJ.

Throughmyfingers

You haven't said how much you are wanting to borrow just your income/deposit, providing its not unrealistic with your income you will get a mortgage IMO its just how much you are going to pay for it.  I went through a broker (CLS Money, they charge a fortune) for mine we are just about to complete.  I am paying them £2k for the luxury of finding me the mortgage and the interest is high but I am paying for my previously poorly managed money sins. Try find somewhere and apply, if you start getting rejected don't keep going, contact a specialist broker for poor credit history etc. Keep working on your credit and look to remortgage in 1/2 years when your in a better position...Good luck x