I used a guy called mike jones at zebra finance. I've posted his name on here a few times as the advice and service I got from them was first class. I got a remortgage from the Halifax at high street rates and I still had a couple of small default on my credit records.

I used a guy called mike jones at zebra finance. I've posted his name on here a few times as the advice and service I got from them was first class. I got a remortgage from the Halifax at high street rates and I still had a couple of small default on my credit records.

Hi Gordy411, How long ago were you discharged from the trust deed? I'm due to apply in March after a lot of saving and sorting my credit file. I'm in touch with a good broker who thinks my chances are reasonable . Would be interesting to see what you got your mortgage based on. Also how was your credit score with Experian? Mines is fair borderline good at the minute. Thanks

Trust deed isn't still showing on my file , due to fall off next year , no missed payments or defaults in my file .
I'm interested to know if lenders are more likely to approve on a shared equity option , I.e lower LTV based on my circumstances

Your best bet would be to speak to a mortgage advisor as they'll be best placed to know which lenders will be sympathetic of your circumstances.

Hi Jamie24,

If anything, the number of mortgage options for a shared equity purchase is likely to be more restricted than for a regular type of purchase.

Even more important to get the help of a mortgage broker to help you sift through everything.

TDA is correct it's more restricted when applying for a help to buy etc as only certain lenders take part in those schemes. I have had 2 lenders accept my circumstances from all of the lenders who take part and one has offered me a DIP. Be honest from start to finish and declare the trust deed. Also use a good broker. I used a broker online they're in London, but they have been fantastic so far. All done by email and phone. Much more precessional than the last company I spoke to. I changed broker last week due to him being really off when I was asking questions. Some just can't be bothered. I'm in the process of getting my paperwork and information together to do full application in March. Levnder is aware of my trust deed and only stated it had to be 3 years post trust deed and have no defaults or adverse in past 6 months. Also pass affordability checks by proof of income etc. Good luck #128578;