Hi again folks.
Thought I would go on to Experian and reactivate my account to see if there was any change in my credit score and status. Because I only got discharged three weeks ago I wasn't expecting much so imagine my pleasant surprise when I saw it had shot up from a "poor" rating of 200+ to a "fair" one of about 800 ! That gave me an unexpected lift I can tell you, and with some more tidying up to be done from the trustee's end before he is discharged, then surely it can only be better still ?
However I was quickly brought down to earth. Admittedly I was probably getting ahead of myself but as regular readers of this forum may know, I may be taking early semi retirement - I still propose to work - thus freeing up a considerable lump sum which I intend (or did !) to put down as a 70 percent deposit on a property.
So through Experian I filled out an online form to find a mortgage best suited to someone with my financial history and current "fair" credit score, and a short time ago someone phoned in response.
I have to say he wasn't remotely interested. Despite mentioning lump sums, large deposits etc, he simply mentioned the trust deed, three years after its conclusion blah blah, and sorry can't help. I really don't think the call lasted more than a minute !
You can imagine how deflated I was, so I consoled myself with coming on here and reading posts where people actually HAVE got a mortgage after discharge but before the subsequent three years have passed, and also reading posts, usually from TDA where it is stated the bigger the deposit the better chance there is of success.
I also have a financial advisor friend dealing with my pension who is confident there will be some lender somewhere out there willing to accommodate me and my 70pc deposit, so is this chap I spoke to today simply not wanting to move his backside or is it a genuine train of thought that my financial advisor may yet come across when he starts looking on my behalf ?