Hi All,
I was wondering if anyone can give me their opinion on what they think the chances are of me obtaining a mortgage on a shared ownership scheme of say about £60,000. I earn £35,000 per annum, I have two credit cards with only £800 outstanding in total and have lived at the same address for 6 years.
My credit report is okay, no defaults etc but I have a few late payment markers from 2010 and 2011 for a loan which has now been settled since the end of last year.
I also would like to get a car loan of £5,000 as I do not have any other debt apart from the £800 on credit cards but I dont know how negatively this would impact on me with regards to getting the mortgage.
I was wondering if anyone can give me their opinion on what they think the chances are of me obtaining a mortgage on a shared ownership scheme of say about £60,000. I earn £35,000 per annum, I have two credit cards with only £800 outstanding in total and have lived at the same address for 6 years.
My credit report is okay, no defaults etc but I have a few late payment markers from 2010 and 2011 for a loan which has now been settled since the end of last year.
I also would like to get a car loan of £5,000 as I do not have any other debt apart from the £800 on credit cards but I dont know how negatively this would impact on me with regards to getting the mortgage.