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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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