I just wanted to post this for all the MSE users and lurkers who, like me just a month ago, are feeling bewildered and scared of how on earth they will get a mortgage with their less than A++ credentials.
My husband and I have today received a mortgage offer from a major high street lender so that we can now move from a rented 2 bed flat to a 3 bedroom house meaning that our twins and baby due next month will grow up in a secure home in a semi-rural setting with a garden to play in and we can finally take pride in making our own home exactly what we want it to be. :j
My husband earns a modest income (£20kish) and I have been self employed for 2 years, but with a minimal income. My husband has a few late payments on his credit card over the last 2 years and I had a stupid catalogue default from last year. We both are also regularly in our overdrafts! We are purchasing a house for £105k with a 15% deposit.
Anyway, I hope outlining our situation gives hope to others out there and I am happy to pass on the details via PM of the highly professional mortgage broker who made it all possible.
Good luck - it's not *all* doom and gloom out there! :T
My husband and I have today received a mortgage offer from a major high street lender so that we can now move from a rented 2 bed flat to a 3 bedroom house meaning that our twins and baby due next month will grow up in a secure home in a semi-rural setting with a garden to play in and we can finally take pride in making our own home exactly what we want it to be. :j
My husband earns a modest income (£20kish) and I have been self employed for 2 years, but with a minimal income. My husband has a few late payments on his credit card over the last 2 years and I had a stupid catalogue default from last year. We both are also regularly in our overdrafts! We are purchasing a house for £105k with a 15% deposit.
Anyway, I hope outlining our situation gives hope to others out there and I am happy to pass on the details via PM of the highly professional mortgage broker who made it all possible.
Good luck - it's not *all* doom and gloom out there! :T