my partner has a poor credit score (in the red) and we want to buy a house that's 120,000 we have about 15% deposit ....
where struggling to get anywhere ..... her report isn't to bad not ccjs or defaults..
one guy has said "Thank you for your time on Monday.
I have completed further research and I reviewed the credit report provided. From the information provided and the research completed i believe it is going to be difficult to obtain a mortgage at present, However some of the lenders I have approached have said that it may be worth applying as they operate a manual credit scoring system and do not rely solely on a computer based decision. This means that all applications are reviewed manually and judged on their own merits. To apply I would charge a fee of £195 and that would be the only fee payable to obtain agreement in principle from a lender. I have to charge a fee to cover the research and application process to completion. No additional fee's would be charged directly to you, I may receive payment from a lender in addition should your application be successful and complete in due course.
I stress that this is going to be difficult so you need to consider whether or not to apply at this time or wait for a few months and attempt to improve your credit score by ensuring that all credit commitments are up to date and are being paid on time.
Should you have any questions or if you want me to proceed further please do not hesitate to contact me.
Kind regards
we really need this house surely theres some way of getting it ?
thanks
where struggling to get anywhere ..... her report isn't to bad not ccjs or defaults..
one guy has said "Thank you for your time on Monday.
I have completed further research and I reviewed the credit report provided. From the information provided and the research completed i believe it is going to be difficult to obtain a mortgage at present, However some of the lenders I have approached have said that it may be worth applying as they operate a manual credit scoring system and do not rely solely on a computer based decision. This means that all applications are reviewed manually and judged on their own merits. To apply I would charge a fee of £195 and that would be the only fee payable to obtain agreement in principle from a lender. I have to charge a fee to cover the research and application process to completion. No additional fee's would be charged directly to you, I may receive payment from a lender in addition should your application be successful and complete in due course.
I stress that this is going to be difficult so you need to consider whether or not to apply at this time or wait for a few months and attempt to improve your credit score by ensuring that all credit commitments are up to date and are being paid on time.
Should you have any questions or if you want me to proceed further please do not hesitate to contact me.
Kind regards
we really need this house surely theres some way of getting it ?
thanks