Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • gregthacker
    • By gregthacker 12th Nov 19, 5:36 PM
    • 1Posts
    • 0Thanks
    gregthacker
    Defaults and Getting a Mortgage
    • #1
    • 12th Nov 19, 5:36 PM
    Defaults and Getting a Mortgage 12th Nov 19 at 5:36 PM
    Hello, I could do with some advice, here is the situation.

    I am recently married and me and my wife are looking to move, we currently live in a house she owns so to upgrade we would need to get a joint mortgage.

    The problem is I have a default on my account from a year ago and a poor credit rating from a credit card.

    What I would love is some advice on ways I can either get the default gone and increase my chances of being able to get a mortgage.

    It is worth saying my wife has an impeccable credit rating.
Page 1
    • Willing2Learn
    • By Willing2Learn 12th Nov 19, 5:39 PM
    • 4,760 Posts
    • 4,305 Thanks
    Willing2Learn
    • #2
    • 12th Nov 19, 5:39 PM
    • #2
    • 12th Nov 19, 5:39 PM
    Hi gregthacker and welcome to the forum

    It is possible to get a mortgage when you have negative data recorded on your credit files. You would just need a mortgage broker who specialises in adverse data.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Gary_Dexter
    • By Gary_Dexter 12th Nov 19, 5:54 PM
    • 6,986 Posts
    • 4,647 Thanks
    Gary_Dexter
    • #3
    • 12th Nov 19, 5:54 PM
    • #3
    • 12th Nov 19, 5:54 PM
    You can’t “get the default gone”.

    It will automatically be removed 6 years from the date of default.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,719Posts Today

7,180Users online

Martin's Twitter