Joint application which I’m holding us back
Hi there, me and my partner are looking to start our mortgage application in 6-8 months time, should have a 10% deposit both have very stable jobs with combined income of approx 70k since I was 18 I’ve made some stupid mistakes and only really sorted it out when I started working full time a couple of years ago, I have 1 ccj that comes off next month, 3 small (under 200£) settled defaults latest one was 2024 and various missed payments from 3ish years ago. None in the last 24 months, I’ve paid off my OD and just got approx 1k credit card debt which I’m starting to pay off. Just wondering if there was any chance of getting accepted by a high street lender given me history. Also my partner has flawless credit but I’m just feeling quite deflated at the thought I’m holding them back