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Adverse mortgage at these uncertain times.

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walt46

11 Posts

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13/01/2021 - 11:02 am

Hi,

Could you tell me if a mortgage is possible and what rates/deposit - 3 years discharged bankrupt, partner 2 CCJ's and a couple of defaults all 3 years and over, to the value of 3k.

And what we could borrow on a combined salary of 65k

Thanks

David@SimplyAdverse

111 Posts

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13/01/2021 - 11:03 am

Hi, thanks for getting in contact.

A mortgage very much is possible when discharged from bankruptcy, even with CCJ's and defaults in the mix.

Whilst you may still struggle with a high street lender, I would expect interest rates between 3% - 6% depending on the exact details.

In terms of the amount you can borrow, there are many factors to this not just income therefore it would be irresponsible of me to give an estimate without carrying out a proper assessment.

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