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Mortgage with historic payday loans

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Bristolbuyer

2 Posts

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13/01/2021 - 11:32 am

Hi,

I am looking to get a joint mortgage with my partner in the next month or so. He currently owns his own property and has an excellent credit rating. Stupidly, I have a record of payday loans (last one September 2019) and I also have missed payments (CC) dated April 2019. I have worked hard to improve my credit rating over the last 12 months and my credit score on Experian is currently showing as 812. We are looking at a property of 450k with a 12-15% deposit to put down. Do you think I will be successful with a high street lender? I am very stressed that my past payday loans will stop us getting a mortgage. We earn 90k collectively and both have secure jobs.

Thanks.

David@SimplyAdverse

111 Posts

(Offline)

13/01/2021 - 11:32 am

Hi thanks for getting in contact.

15% is likely to be your best case scenario here however subject to the finer details I believe you have a realistic chance of approval.

Bristolbuyer

2 Posts

(Offline)

13/01/2021 - 11:32 am

Thank you! Do you think it would be best for me to get a specialist broker?

David@SimplyAdverse

111 Posts

(Offline)

13/01/2021 - 11:32 am

I would suggest so as you will only have a select few options available to you.

We would be more than happy to take a look and our office number is 01245 400 356.

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