
I have just completed a DAS in Scotland, this is not insolvency or anything like an IVA but have read worrying things about mortgage providers treating them as such. The defaults and DAS wont come off my credit report until 2023 but was hoping to buy a house mid - end of 2021. Would I require a really high deposit?

Sorry to ask more questions - in a situation like this if I used a shared ownership scheme, like the first home fund (£25k towards deposit), would this be an option for someone like myself to bring myself up to the 20-30% bracket? There seems to be a limited number of lenders with this however
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