Hello
Me and my partner are looking at buying our first property.
My salary £32,500 plus £6,000 from overtime/extra
Partner (student) income £5,000
we will have a deposit of about £15,000 thanks to bank of mum and dad.
My credit, not great. 2 defaults about 3-4 years ago. About £6,000 on credit cards at present. No missed/late payments for a long time.
Partner's credit perfect.
We would be looking to spend around £130,000 to £150,000 on our first house.
Is it likely if we applied we could get a mortgage?
Would it be better for me to apply by myself without my partner due to their student status?
Thanks in advance! :j
Me and my partner are looking at buying our first property.
My salary £32,500 plus £6,000 from overtime/extra
Partner (student) income £5,000
we will have a deposit of about £15,000 thanks to bank of mum and dad.
My credit, not great. 2 defaults about 3-4 years ago. About £6,000 on credit cards at present. No missed/late payments for a long time.
Partner's credit perfect.
We would be looking to spend around £130,000 to £150,000 on our first house.
Is it likely if we applied we could get a mortgage?
Would it be better for me to apply by myself without my partner due to their student status?
Thanks in advance! :j