Hi All,

I've been on here alot lately and been asking questions about whether now would be a good time for us to move.

Three and a half years ago I had six defaults registered against me because I was having a hard time, it was stupid but I've maintained payments and last month paid off all my debt. They aren't showing settled on my credit profile yet and its extremely frustrating.

We've kept all our mortgage payments on time and all our other bills etc. My husband has an amazing credit score and while mine has improved over the last year its still pretty bad. We were planning on moving in the New Year but last week we found the perfect house at a bargain price. We have a 15% deposit but because of my credit history we can't find a mortgage. I contacted our current mortgage provider and as I feared they aren't currently lending. So I have contacted a broker who didn't seem exactly confident that he could help us.

Has anyone recently been accepted for a mortgage with bad credit? I know that with the economical climate people aren't lending but my husband has a good score and we don't want to borrow a large amount. Our deposit I'm told is reasonable. Does anyone know if there is anyone currently lending.

Purchase price - £187k.

Deposit - £30k

Income - £16500

Husband - £17000

Any advice would be great.

Thanks

Gemma