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Joint Mortgages – poor credit, but the good deposit?

Hi My boyfriend and I are going to apply for a joint mortgage. We have a deposit 16k for a 160K house is a police officer, I work in oil and gas, both have good salaries. I downloaded a VAT (or deed of trust that we in Scotland), which was completed in 2005, and have always been free of debt …. Apart from a credit card now credit repair I never raped. My credit score was 570 some thing, but there was a note saying that my payments had all day for the past 12 months. I'm afraid that with all these CRUCH tricks credit will be denied because of my bad credit. The fact that we have a good deposit do better? Have I done something good in the repair my credit history? I'm afraid and will not be accepted because I was too stupid when I was younger.

Credit scores vary between institutions, as they have different criteria. Try to get a copy of your credit report from Equifax and Experian, which are mostly used by banks basis. If you receive a message that should cost around £ 2 – those online can be more expensive. If you apply for a mortgage, try shopping for better rates. A comparator as http://www.fool.co.uk scope (and dedicated discussion forums where mortgage experts may be able to help.). Talk to your Mortgage Consultant Your bank should be aware of their finances and be able to indicate whether the bank can provide a mortgage. You may find that since you released less than 5 years you can not get good interest rates. Another thing to consider is that if the credit Your husband is right, would it be able to get the mortgage on their own, against salary without her? If you use the presentation topic that may mean that you can get a better rate. Seriously, you need to get proper financial advice. I suggest you start with your bank, and then see what else is there, if not satisfied with the answer or think you can get a better deal.