Afternoon all
My OH and I are looking to buy a house but I'm worried about how my previous credit history will affect this hope!
My stats:
- OH earns £27k
- I earn £31K
- I have a child from a previous relationship so recieve CB, no maintenence through court order, only through mutual agreement
- We have a £40k deposit
- The house we want to buy is £240k
- We have had an offer in principle from NatWest for £290k
- I have hugely reduced my debt (see signature) and most of this will be cleared by the time we are looking to move.
OH's noddle credit score is 4/5, BUT my noddle credit score is 2/5 and is still showing some accounts and balances I have paid off the last few months. I have late payments markers on 3 accounts in 2008 from when I was on maternity leave and my ex wasn't paying the bills :mad:.
What is the likelihood of NatWest offering us the amount we need?
Thanks in advance for any advice offered.
My OH and I are looking to buy a house but I'm worried about how my previous credit history will affect this hope!
My stats:
- OH earns £27k
- I earn £31K
- I have a child from a previous relationship so recieve CB, no maintenence through court order, only through mutual agreement
- We have a £40k deposit
- The house we want to buy is £240k
- We have had an offer in principle from NatWest for £290k
- I have hugely reduced my debt (see signature) and most of this will be cleared by the time we are looking to move.
OH's noddle credit score is 4/5, BUT my noddle credit score is 2/5 and is still showing some accounts and balances I have paid off the last few months. I have late payments markers on 3 accounts in 2008 from when I was on maternity leave and my ex wasn't paying the bills :mad:.
What is the likelihood of NatWest offering us the amount we need?
Thanks in advance for any advice offered.