Hi,
Would much appreciate your help on my chances of getting a mortgage.
Me and my other half are FTB, and are looking for a property of £115,000 and have a £30,000 deposit. We earn together £41k.
The problem is that my partner has from back in 2010 on his credit report, late payment markers for under £50, showing 2 3 on his report also after the three he has an AP 'arrangement to pay' for one month, in which after that he paid of the whole account off. Other than that he has paid everything well and on time. And thankfully mine is good too. Would the AP totally ruin our chances and would we have to wait until these finally fall off?
Sorry for the long post, thank you in advance for any advice.
Thanks
Sarah
Would much appreciate your help on my chances of getting a mortgage.
Me and my other half are FTB, and are looking for a property of £115,000 and have a £30,000 deposit. We earn together £41k.
The problem is that my partner has from back in 2010 on his credit report, late payment markers for under £50, showing 2 3 on his report also after the three he has an AP 'arrangement to pay' for one month, in which after that he paid of the whole account off. Other than that he has paid everything well and on time. And thankfully mine is good too. Would the AP totally ruin our chances and would we have to wait until these finally fall off?
Sorry for the long post, thank you in advance for any advice.
Thanks
Sarah