Hello Sonsub,

Our resident forum mortgage broker (who posts here from time to time) has had some success sourcing mortgages at high street rates for persons who have recently finished Trust Deeds.

It doesn't work out for everyone but is well worth exploring. It's a very positive sign that you have a decent deposit.

I'll ask Graeme to have a look at this thread when he's next in his office (he tends to be out and about a lot).

If you wanted to speak with him he's contactable via the contact form on his profile page (see Graeme Leckie on the left hand menu of this page).

Thank you, I will drop him a line fingers crossed.

Just for other information for others.
I spent the last 2 months chasing and getting my credit records updated emails, calls, recorded letters and faxes.

1. MBNA - Very helpful and updated
2. Barclaycard very helpful and updated
3. EGG - Bad/nightmare spent over an hour on the phone (Insolvency calls goes to India) They refused to update although I got my conformation of trust deed completion form F5 to them. Initially didnt recogise this until I explained this was Scottish trust deed and not England IVA, They have agreed to update this month. Took four letters too.
4. MINT - Helpful.

Experian - Easily the most helpful and proactive with help and updating, also an easy website.
Eqifax - Foreign call centres, website awkward and time consuming.

Im glad I got into clearing/updating file as soon as it ended and all the frustration/stress from it is now paying off. Make sure the Public records section of credit report is updated via experian/eqifax.
I kept my mobile phone and mortgage payments up to date and enrolled in cashplus credit card credit builder which counts too(no credit check required).
A year ago I thought there was no way out of this but thanks to the trust deed and fantastic family I am getting there albeit the mortgage hurdle is next although as said Im seeking half the size of mortgage. Seems odd/unfair that to have kept a big mortgage going all through it I may now have to rent for a year.
I also insisted on no credit card search from mortgage broker ..information only.
Anyway thanks again

That's really useful information Sonsub. Thank you for taking the time to share it.

In addition to the decent deposit your efforts to update your credit record may also be very helpful in respect of your mortgage needs.