
Hi team
Some advice please.
2 recent deposits (last 2 years)
CCJ 2 years ago but also satisfied
Experian credit rating is very low.
But then...
Good income (£53,925) and no outstanding debts, credit card balance at zero. No dependants.
History of good rent payments, reported by credit Ladder (private)
I have around £5000 in deposit, but just moved to this job. I have not been unemployed in the last 3 years but have had an external promotion each year.
Is it likely I could get a shared ownership mortgage or am I better off waiting until I've been in my job 12 months and saving more deposit (I can save £1000pcm at the moment).
My private tenancy is about to run out so if I could buy now, I would.
Paul Carmen
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