Kirstygraham94

Hi, 

my partner and I are ready to go with a 5-10% deposit when we discovered he has a default that’s 2 years old for £36, which is now settled, other than this his credit rating is just low. 

I have pretty good credit rating with no history of late or missed payments. 

do you think we’re in with a chance of a mortgage in the current climate?

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Hayley@simplyadverse
Hi there,

Many highstreet lenders have reduced their maximum loan to value in the wake of the pandemic.

If this is the only adverse recorded there may be a solution depending upon the rest of the case.


If you can get to 90 percent loan to value will strengthen your chances.

Best of luck
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