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Getting a mortgage

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Redpanther89

9 Posts

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06/01/2021 - 1:26 pm

I have recently completed a DMP. All defaults have now fallen off my credit file . However I do have a few payday loans (last one settled 13 months ago ) what are my chances of securing a mortgage at a decent rate ?

David@SimplyAdverse

111 Posts

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06/01/2021 - 1:27 pm

Hi, thanks for getting in contact and congratulations for ending the DMP.

A mortgage will most likely be possible with potentially High St rates however of course it will come down to the finer details and I would ensure you avoid pay day loans in future.

Redpanther89

9 Posts

(Offline)

06/01/2021 - 1:27 pm

Thanks for your quick response ! That’s positive to hear. I was of the assumption that lenders (especially high street) would decline with any evidence of a payday loan taken out in the last 6 years.

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