credit history - mortgage

[yecats2885]

does any one know what my chances are of getting a mortgage next year - i am slightly behing on credit card payments and am with a debt collection agency for 2 catalogue bills - all debts are less than �3000.
i got into a bit of trouble last year due to being involved in a car accident - i will be paying off said debts in next 2 months from compensation i will receive from crash - been offered �4000 .
we have �3000 saved and are hoping to get a new build appartment where 5% deposit is included - appartments are �89,950
i earn �13k my partner who has a perfect credit record earns �11

[mamar]

your best bet is to go and see a financial adviser, but be carefull there are a lot of bad ones, you can tell the difference a good finacial adviser wont charge for his services so you have nothing to lose,there are many levels to which mortgage companys work, if you are clean as a whistle they class you as a prime borrower, if your credit is slightly flawed you will be a sub prime borrower but if your credit is bad ccjs ect then you can still get a mortgage but the interest will be quiet high,and the lenders tend to charge you higher costs for taking the mortgage out, hope this is of some help