Hi all
Im hoping for a few pointers on the possibility of getting a new mortgage for a house move.
My husband had an IVA, his 6 years are up and it has just 'fallen off' his experian file. He now has a Vanquis card to build up his credit file.
We would like to move - purchase price around £175000, we have equity of around £30000, he earns £24000, I earn £10000 and another £3500 in maintanence if this is ever counted.
How do we go about this? Ive sort of picked up that we would be better using a broker... how do I find one (just google 'broker' ?? lol), would we still be classed as high risk? Would we need a broker who specialises in bad debt??
Hope someone can advise, thanks.
Im hoping for a few pointers on the possibility of getting a new mortgage for a house move.
My husband had an IVA, his 6 years are up and it has just 'fallen off' his experian file. He now has a Vanquis card to build up his credit file.
We would like to move - purchase price around £175000, we have equity of around £30000, he earns £24000, I earn £10000 and another £3500 in maintanence if this is ever counted.
How do we go about this? Ive sort of picked up that we would be better using a broker... how do I find one (just google 'broker' ?? lol), would we still be classed as high risk? Would we need a broker who specialises in bad debt??
Hope someone can advise, thanks.