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Can I get a mortgage

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Kaboomba

6 Posts

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13/01/2021 - 12:22 pm

My husband currently has a mortgage in his name only.

we both have a joint DAS (scotland debt remedy) which has approx £46,000 outstanding.

we have just found out I am pregnant with 3rd child and live in a small 2 bed.

We have recently received inheritance of £80,000.

would we be accepted for a mortgage without paying off our DAS so a deposit of £80k. Our are we better paying off our DAS and having approx £34k deposit. House price we are looking at are between £150k – £180k.

do we have to wait a certain time after the DAS is paid off? We took it out in 2018.

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101 Posts

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13/01/2021 - 12:23 pm

Hi, thanks for getting in contact.

Potentially a mortgage can be possible without repaying the DAS however it will come down to the final details i.e exact dates, number of creditors.

With a credit file and DAS statement we would be in a better position to give advice.

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