My wife income, £27,000, my income Fixed contract that last four years but same company since 2008, income £4,700 pa. The renewal cycle kicks in next may.
I also have self employed income, 2012/13 £7,500 profit, 2011/12 £5,000, 2010/11 £-1,500. All verified by an accountant and the necessary information from hmrc can be provided.
We have £85,000 deposit for a house that we expect to pay £240,000 (LTV of 65%). Currently have a mortgage of £35,000 remaining with hsbc we have a history of significant over payment.
Our credit score is perfect on experian, however there was two defaults in 2009 and 2010, an unused credit card had a direct debit deactivate, same transaction a year apart, ie it was an annual debit, each getting late charges because of the DD timing out.
Spoke to the credit provider, who have promised to investigate and on the information given will probably remove the late payment flag.
There seems to be a few lenders out there who would be interested, we arent too keen on the idea of good for a few year deal, we want a good liftime tracker like we already have with hsbc.
Any suggestions? Am I likely to hit a brick wall with any particular providers?
I also have self employed income, 2012/13 £7,500 profit, 2011/12 £5,000, 2010/11 £-1,500. All verified by an accountant and the necessary information from hmrc can be provided.
We have £85,000 deposit for a house that we expect to pay £240,000 (LTV of 65%). Currently have a mortgage of £35,000 remaining with hsbc we have a history of significant over payment.
Our credit score is perfect on experian, however there was two defaults in 2009 and 2010, an unused credit card had a direct debit deactivate, same transaction a year apart, ie it was an annual debit, each getting late charges because of the DD timing out.
Spoke to the credit provider, who have promised to investigate and on the information given will probably remove the late payment flag.
There seems to be a few lenders out there who would be interested, we arent too keen on the idea of good for a few year deal, we want a good liftime tracker like we already have with hsbc.
Any suggestions? Am I likely to hit a brick wall with any particular providers?