Ok so I was stupid in my younger years and got myself into debt and am now suffering the consequences. My debts have all been paid off and marked as satisfied in the last year.
Fast forward a few years and I'm now married with a child and would like to move to a nicer area. We are looking at houses in the region of £230,000 and can get together deposit of 15% through house sale and savings. We've also considered the help to buy scheme where we would only need to get a 75% mortgage.
Our joint income is approx £60,000 and my husband has a good credit rating. It's me who's the problem! What do you think are chances are? Would we be better waiting till the end of the year seeing as time seems to be a healer?
I have 7 defaults:
08/09 - £1274
06/09 - £66
02/10 - £150
07/10 - £66
01/10 - £63
12/09 - £408
05/08 - £294
And one CCJ:
12/11 - £173
These are the dates when the Defaults/CCJ were registered and like I said they are all marked as satisfied.
I would appreciate any advice. Thanks
Fast forward a few years and I'm now married with a child and would like to move to a nicer area. We are looking at houses in the region of £230,000 and can get together deposit of 15% through house sale and savings. We've also considered the help to buy scheme where we would only need to get a 75% mortgage.
Our joint income is approx £60,000 and my husband has a good credit rating. It's me who's the problem! What do you think are chances are? Would we be better waiting till the end of the year seeing as time seems to be a healer?
I have 7 defaults:
08/09 - £1274
06/09 - £66
02/10 - £150
07/10 - £66
01/10 - £63
12/09 - £408
05/08 - £294
And one CCJ:
12/11 - £173
These are the dates when the Defaults/CCJ were registered and like I said they are all marked as satisfied.
I would appreciate any advice. Thanks