Mortgage after bankruptcy

oneandonlyboy

Hi, just been discharged, and lookign at buying a house with my girlfriend.

She has a good credit history and my....well i dont need to explain lol.
We have a huge deposit to put down(about100k+)

Wondered if anyone has managed to get a mortgage and with whom and what where the rates and cost of getting it.

Many thanks.

RAS

Hi

Rog re-mortgaged a few months ago, but the situation has changed rather since then.

Suggest you try a whole of market advisor and try for less then 75% LTV.

Cinderbrook

Hi, there is a mortgage broker that is associated with Payplan the debt charity. They deal with not too squeaky clean credit histories and say on their website that they don't charge fees. I probably can't name them here but will have a go they are Who's Lending...try to google them. I haven't used them myself and I wouldn't know what the market is like at present, if there is one for mortgages at all. Hope this helps.
C

oneandonlyboy

Many thanks, will have a look for them.

tigerfeet2006

oneandonly it might be a good idea to make sure your credit file was cleaned up (see the sticky about this on top of the front page) before you look at getting a mortgage.

Cinderbrook, Payplan are not a debt charity they are just one of the better debt organisations.

sparrabeth

I've heard good things about Charcol - I've read that CCCS use them but I know someone who found them independently and went through them.

Wherehasmymoneygone

My mortgage is with GMAC and we pay 6%. Both my partner and I were bankrupt previously. We put down a 17k deposit.

They were very helpful and offered us a good deal.

If we hadnt of got it in October we would be stuffed now. Everyone told me to wait (until CRF clear), I am so pleased I'm inpatient! This time it paid off!