Bad & adverse credit & specialist mortgage forum

Please consider registering
Guest

Forum→Mortgages→What options are available

What options are available

RSS

walt46

11 Posts

(Offline)

13/01/2021 - 12:16 pm

Hi,

Dro is now 4 years discharged and husbands credit has 2 CCJ’s and a few defaults over 3 years old.

I’m on maternity leave and my husband has just started a new perm job so would we need to wait until I’m back in work full time, and my husband in his role for 3 months first?

i know it’s a guide, but in the current climate, what rates deposit would we be looking at?

Thanks

David@SimplyAdverse

111 Posts

(Offline)

13/01/2021 - 12:17 pm

Hi, thanks for getting in contact.

This will vary depending on which lender is available to you however the key thing is establishing when you're returning to work and on what terms and that your Husband isn't on probation in his new role.

It will of course come down to the finer details however I'd allow for a 20% deposit and rates in the region of 4% - 8%.

Forum Timezone: Europe/London

All RSSShow Stats

Administrators:
admin
Paul Carmen
SabinaC

Moderators:
Adam@SimplyAdverse
Sarah@SimplyAdverse
David@SimplyAdverse
Liam@SimplyLending
Hayley@simplyadverse

Read Our Latest Reviews

4.95 Average - Based on 3238 Reviews

Andrew L.

I can't speak highly enough about this company. Extremely professional, top interpersonal skills from their employees. I need to mention Michael who worked tirelessly to get me the best deal and get me the amount I needed to purchase the property we really wanted. Jackie was our Case Manager and was so good. The communication throughout the process was excellent.
read moreread less

15/04/2024

Say O.

As a first-time homebuyer, navigating the labyrinth of mortgage options was daunting. Thankfully, I stumbled upon Shelagh, Louise and Paige and my journey towards homeownership transformed into a smooth and seamless experience.
read moreread less

11/04/2024

Parveen

Exceptional service. Regular updates. Very professional and polite. We were successful with only them!
read moreread less

10/04/2024
Hasan M.

Thanks to simply team. Special thanks to Zoe and Mathew . Our case was difficult but the way they handle it was outstanding. Customer service was superb. .
read moreread less

10/04/2024

Blue M.

Absolutely brilliant from start to end. I worked with Caroline and Jackie who were both knowledgeable and responsive.
read moreread less

10/04/2024

Claire L.

Truly efficient service provided by Simply Lending from start to finish with our remortgage process. Highly recommend. I wouldn’t use anyone else now. Communication has been great, we have been kept updated every step of the process.
read moreread less

25/03/2024
Deborah S.

Thank you to Simon and Kerry for sorting our mortgage, really impressed.
read moreread less

23/03/2024

Anonymous

Fantastic service all round!
read moreread less

22/03/2024

Ramil S.

All the staff ive dealt with were fantastic. They help us until completion.
read moreread less

20/03/2024
Stephanie M.

We couldn’t be more happy with the service we have received from Simply Adverse, especially Jamie and Tia! They went above and beyond for us, communication was brilliant and we were kept up to date every step of the way. Would highly recommend!
read moreread less

19/03/2024

Megan R.

Caroline and Pedro have been a dream. They’ve helped me and my partner, who are first time buyers, through the whole process and managed to secure us a mortgage for our dream house. They have been super patient with us with our many questions and collating of documents ready for applications. Super friendly and welcoming. We never felt like we couldn’t come to them. Louise our Case Manager has also always been on hand for additional support, ensuring that we are up to date and guiding us through our paperwork. We are very grateful for everyone’s help and support, and hope that Caroline and Pedro get to take the family to Japan some day! Thanks all 😊
read moreread less

18/03/2024

Simon H.

Very helpful throughout the whole process we were provided with constant updates and being first time buyers and having no idea about the process this was very helpful
read moreread less

18/03/2024
Keith S.

Simon Osborne has held my hand all the way through this process with patience and understanding and then got the correct mortgage. The problems I faced due to a past/historical, adverse credit rating he tackled and even when my chain collapsed he stuck with me until we finally got the formal offer ready to move into our new house. Both Kerry Bates as a case manager and Simon throughout have been great.
read moreread less

14/03/2024

Narender P.

Adverse Simply stands out as the top-tier mortgage broker. Their exceptional professionalism and client-centric approach are truly impressive and refreshing. They efficiently assisted me in securing a mortgage. Lilly and Max excelled in both knowledge and customer care, making the entire experience outstanding.
read moreread less

13/03/2024

Stuart C.

After getting in touch and speaking with Adrian, the whole process has been very smooth and it has really taken away a lot of the stress taht comes with being first time buyers. During the initial stages, Adrian was friendly, professional and clear. Any queries I had were immediately answered. Going through the application stage after our DIP, Max was a massive help and has kept us up to date with every step of the application process. The turnaround from getting a decision in principle to our mortgage offer was very quick and it is a testament to how well Simply Adverse work. Thank you both - we are incredibly happy with the service provided.
read moreread less

13/03/2024
Narend P.

Excellent service. Great customer service and customer care. They understood the requirements very well and tailored their solution accordingly. I am very impressed with their professionalism, industry knowledge and quick turnaround.
read moreread less

13/03/2024

Aimee

These guys are amazing ! We have used them.twice now and they couldn't be more helpful and there for you every step of the way. Thankyou to zoe and aimee for all your help you are fantastic !!
read moreread less

08/03/2024

Robert M.

Great service highly recommend
read moreread less

06/03/2024
Stephen

Very happy with the speed they were able to help me remortgage.
read moreread less

05/03/2024

Spencer

The team at simply were outstanding they listen to your needs help you through the applications. It was an easy process they did all the work. Very professional they know all the systems and get a great deal to match your needs. I would like to give Lilly & Zoe a special thankyou for there exceptional hard work.
read moreread less

28/02/2024

Alexander O.

I am grateful for the professional and excellent service that the whole team provided us in helping us with a successful remortgage application. Max was very helpful and professional, and we remain grateful to Max and the whole team. I would definitely recommend their services.
read moreread less

28/02/2024
louis

So, we had Aime as our advisor, words can’t express how much she has helped us, she has been at our side from day one, no matter how many questions we had she was always on the end of the phone and email. We are first time buyers so have no clue of mortgage talk, Aime never made us feel silly for asking basic stuff, she is able to break things down to human talk. I couldn’t recommend Aime or the company more. It’s a shame we won’t get to talk to her as often now we have our home. Buy a house with Aime at your side, you’re in safe hands. We love her.
read moreread less

26/02/2024

Nicola

Big thanks to Henri, Liz and all other team members who assisted me in the mortgage application process as a first time buyer. I will be recommending Simply to my friends and family. The staff at Simply made this process a breeze !
read moreread less

26/02/2024

Steven M.

Simon and Kerry were amazing with helping us get our first mortgage! Great company very friendly and very helpful!
read moreread less

26/02/2024

Read Our Latest Reviews

What You Will Pay For Our Services And When – Mortgage Advice

Legal Information