Ok will try to keep this short and sweet.
Got divorce last year and sold the family home. Had a mortgage with Santander and all good.
Paid off some debts and have £20k deposit. Currently in rented accomodation from Feb 15th this year.
Looked to buy a house - before old house was sold got an AIP from Halifax for £211K
Now they dont want to know cos Im not a home owner anymore!!!
Struggled to get anyone to lend me anywhere near £200k
Currently earn £45k pa
Have Child maintenece from ex of £600 per month
DLA for child of £290 per month
Credit card debt of £15K (this seems to be a problem).
So what is a reasonable amount I can borrow. My credit rating is goo coming up as 899 with experian - nothing but green on it no defaults etc etc.
Im reluctant to pay anything else off - cos I thought I needed it for depoisut and now it looks like I need to pay everything off and have no deposit!
Also is the fact that I have rented for less than 6 months a real problem?
Is getting a mortgage hard at the moment?
Many thanks
:beer:
Got divorce last year and sold the family home. Had a mortgage with Santander and all good.
Paid off some debts and have £20k deposit. Currently in rented accomodation from Feb 15th this year.
Looked to buy a house - before old house was sold got an AIP from Halifax for £211K
Now they dont want to know cos Im not a home owner anymore!!!
Struggled to get anyone to lend me anywhere near £200k
Currently earn £45k pa
Have Child maintenece from ex of £600 per month
DLA for child of £290 per month
Credit card debt of £15K (this seems to be a problem).
So what is a reasonable amount I can borrow. My credit rating is goo coming up as 899 with experian - nothing but green on it no defaults etc etc.
Im reluctant to pay anything else off - cos I thought I needed it for depoisut and now it looks like I need to pay everything off and have no deposit!
Also is the fact that I have rented for less than 6 months a real problem?
Is getting a mortgage hard at the moment?
Many thanks
:beer: