Bad Credit Mortgage Lenders In Uk

[dieseldick]

i have few blips on my credit from around 4-5 years ago. i want to go for mortgage of around 120 k with a deposit of 70k

would it be possible for me to get a mortgae and does anyone have a link to any providers .

thanks

[dieseldick]

PS. i have steady job which takes home £700 per week. but work is in eire , can provide payslips etc etc

[Islay]

Have you sorted out your tax issues?

[EDDIE51]

Why waste time asking on here when you could be phoning round mortgage brokers and asking someone who really knows?

[EDDIE51]

Here ask these people they deal with nothing but poor credit mortgages
https://www.justmortgagebrokers.co.uk/bad-credit/

[hc4361]

Pros:
You have a deposit larger than 50%
You have a good income

Cons:
Bad credit rating
Only been in that job for a short time
Paying maintenance to your ex-wife and family

Use Equifax to get your credit rating then try:

https://www.uswitch.com/mortgages/guides/bad-credit-mortgages/

[ummmm]

Or join Experian, they will give you a credit score and show you which lenders might lend to you. It's free.

[dieseldick]

" Why waste time asking on here when you could be phoning round mortgage brokers and asking someone who really knows? "

same can be said for you , why are you wasting your time reading these threads if you have nothing to contribute ?

isnt this what AB is all about.

islay , never mind my tax returns or what i owe, im quite aware of that .

[dieseldick]

thankyou HC4 & UMMM, ok and eddies too i suppose

[ummmm]

I do think you'll find it pretty hard. My OH was refused a credit card for one single default in his whole life....and it wasn't really a default, it was a dispute (all sorted now)

I'm not sure how much lenders can see about your credit report but if they can see you owe HMRC it might be a big fat no, or you'll be paying way over the odds.

When you say a steady job, how long have you been in this steady job?

[dieseldick]

i owe the tax man £200 for god sake !! lol

failed to return 2 self assesments

[hc4361]

Pay the tax man ASAP, no reason to delay and the fewer debts you have when you apply the better

[Islay]

If that is the assessment you have received from the tax man then you are very lucky as I did some calculations and they come out a lot more than that with penalties!