I had a default of around 10k applied to my file for a personal loan with the Halifax around 4

I do however have a sketchy record from the past. 5 years as go. This was settled 15 months ago but is of course still visible on my file for around another 18 months.

This is what I’m most concerned about as my unaffordability claim was found in my favour but they are dragging their heels in removing the accounts from my file. The most recent loan was paid off in .

I think you need to talk to a good broker about your chances. I’m sorry but there isn’t much point in me guessing.

I think you’ve got an excellent chance. I’ve got 8 defaults around 4 years old and my last was paid off around 10 months ago. 2.6% interest with a high street lender at 4.5x joint salary.

I also have 6 payday loans from 247 moneybox showing on my file (no late payments)

After waiting out my defaults to be over 3yrs, I am now fully in the market searching for a good broker and a mortgage, thanks to this website, otherwise I would never be in this position.

We have a 48k deposit and looking at houses around ?320k which is 15% but we are still struggling. What I can gather from the brokers I have spoken to is that there doesn’t appear to be a middle ground lender between high street lender and adverse credit lender which is really frustrating.

The best I have got so far is 4.6%, I am unsure what to do as we really need to move house. […]