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									(very bright) light at the end of the tunnel - Scottish Trust Deed Forum				            </title>
            <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/</link>
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                        <title>RE: (very bright) light at the end of the tunnel</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/#post-51976</link>
                        <pubDate>Sat, 04 Feb 2017 03:39:12 +0000</pubDate>
                        <description><![CDATA[Can you advise of the broker or lender please? I&#039;m actually in the same position at the moment and have a deposit, good credit score and income. I just want to find the right person to speak...]]></description>
                        <content:encoded><![CDATA[Can you advise of the broker or lender please? I'm actually in the same position at the moment and have a deposit, good credit score and income. I just want to find the right person to speak to. It seems I've been given some poor advice. I was advised n o one would consider an application from someone who has been in a trust deed until it was 3 years after it was removed from my credit file. I questioned this via email as I thought he meant 3 years satisfied which I could accept, but he responded with a resounding NO! There's no options]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>Suits2017</dc:creator>
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                        <title>RE: (very bright) light at the end of the tunnel</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/#post-51864</link>
                        <pubDate>Sun, 22 Jan 2017 17:34:31 +0000</pubDate>
                        <description><![CDATA[That&#039;s great news boys1211. Can you tell us the name of the broker? I think I might be a few months behind you in terms of situation but it could be worth a try]]></description>
                        <content:encoded><![CDATA[That's great news boys1211. Can you tell us the name of the broker? I think I might be a few months behind you in terms of situation but it could be worth a try]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>SkintAlly</dc:creator>
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                        <title>RE: (very bright) light at the end of the tunnel</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/#post-51736</link>
                        <pubDate>Tue, 10 Jan 2017 08:33:40 +0000</pubDate>
                        <description><![CDATA[That&#039;s brilliant news, well done and gives us all encouragement.  Best Wishes to you and your family!!]]></description>
                        <content:encoded><![CDATA[That's brilliant news, well done and gives us all encouragement.  Best Wishes to you and your family!!]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>Jewels174</dc:creator>
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                        <title>RE: (very bright) light at the end of the tunnel</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/#post-51667</link>
                        <pubDate>Wed, 04 Jan 2017 16:12:06 +0000</pubDate>
                        <description><![CDATA[Hi boys1211.
	
	Just regards an earlier comment you made on this thread; you&#039;re welcome to share the details of a firm that you&#039;d personally recommend here. We just ask that people don&#039;t add...]]></description>
                        <content:encoded><![CDATA[Hi boys1211.
	
	Just regards an earlier comment you made on this thread; you're welcome to share the details of a firm that you'd personally recommend here. We just ask that people don't add website links to the forum.
	
	If you're inclined to do this it might be worth checking that the broker is happy with this as well. There's quite a few people reading!]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>TDA (Debt Adviser)</dc:creator>
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                        <title>RE: (very bright) light at the end of the tunnel</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/#post-51666</link>
                        <pubDate>Wed, 04 Jan 2017 15:46:05 +0000</pubDate>
                        <description><![CDATA[Hi Boys1211
	
	Thats magic news well done! I was looking for some advice if you can or even pass me the details of the broker? My wife has never had a td but I was discharged like you in 201...]]></description>
                        <content:encoded><![CDATA[Hi Boys1211
	
	Thats magic news well done! I was looking for some advice if you can or even pass me the details of the broker? My wife has never had a td but I was discharged like you in 2014 and have since moved house with mortgage in my wife's name, I still have flat with negative equity of about 30k (bought at boom on interest only, worst decision ever) but house we are in now we put down 50k and got for 20k less than home report and have since put on extension(family builders doing the work so done at fraction of cost) so have approx 100k in equity in mortgage so we are looking to get the flat mortgage onto repayment mortgage (need deposit) and also get me onto my wife's mortgage but didn't think this would be possible. Bit of subject but any advice is appreciated
	
	regards]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>jock67</dc:creator>
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                        <title>RE: (very bright) light at the end of the tunnel</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/#post-51665</link>
                        <pubDate>Wed, 04 Jan 2017 12:56:53 +0000</pubDate>
                        <description><![CDATA[Hi Suzie28
	
	I don&#039;t know the reason behind us being successful - it was a big surprise to us believe me.
	
	What I will say, is that the fact we were totally upfront and honest about our h...]]></description>
                        <content:encoded><![CDATA[Hi Suzie28
	
	I don't know the reason behind us being successful - it was a big surprise to us believe me.
	
	What I will say, is that the fact we were totally upfront and honest about our history, I think definitely helped. Maybe the broker knew which mortgage companies to apply to, and who were most likely to take us on?
	
	You've now been officially discharged, so the next step is to keep saving for that large deposit in the next 2 years, and I'm sure you'll get the results you're looking for !!!]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>boys1211</dc:creator>
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                    </item>
				                    <item>
                        <title>RE: (very bright) light at the end of the tunnel</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/#post-51664</link>
                        <pubDate>Wed, 04 Jan 2017 08:52:13 +0000</pubDate>
                        <description><![CDATA[Hi Suzie28.
	
	Certainly having a really decent deposit and giving it as long as possible after discharge will give you the best possible chance.
	
	I can&#039;t think of a logical reason why it ...]]></description>
                        <content:encoded><![CDATA[Hi Suzie28.
	
	Certainly having a really decent deposit and giving it as long as possible after discharge will give you the best possible chance.
	
	I can't think of a logical reason why it would make any difference if the home you wanted to buy was a new build or not.]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>TDA (Debt Adviser)</dc:creator>
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                    </item>
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                        <title>RE: (very bright) light at the end of the tunnel</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/#post-51663</link>
                        <pubDate>Tue, 03 Jan 2017 21:45:04 +0000</pubDate>
                        <description><![CDATA[Myself and my husband are in a similar boat with two small children. My plan is to save a large deposit over next 2 years (iv had a promotion and pay rise ) We should have a fair bit of equi...]]></description>
                        <content:encoded><![CDATA[Myself and my husband are in a similar boat with two small children. My plan is to save a large deposit over next 2 years (iv had a promotion and pay rise ) We should have a fair bit of equity in our own house.  Do u think the fact it was a new build or do u think you guys would have succeeded to secure the 80% LTV in any property ! I would be looking to move in next couple of 2 years.  Thanks for your advice.  We completed our 3 year trust deed a year ago and have both received form 5 around 8 months ago.]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>Suzie28</dc:creator>
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                    </item>
				                    <item>
                        <title>RE: (very bright) light at the end of the tunnel</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/#post-51626</link>
                        <pubDate>Sat, 24 Dec 2016 07:32:01 +0000</pubDate>
                        <description><![CDATA[Hi boys1211,
	
	That&#039;s a really encouraging post for other to read who may be struggling with debts and not sure what to do or for those already under way on their Trust Deed journey.
	
	As ...]]></description>
                        <content:encoded><![CDATA[Hi boys1211,
	
	That's a really encouraging post for other to read who may be struggling with debts and not sure what to do or for those already under way on their Trust Deed journey.
	
	As an Expert I always try to reassure people that it's not the end of their financial life entering into a plan to deal with their debts but actually hearing it from someone that has been through the process is much better and will help so thanks for taking the time to come back on and post.
	
	All the best for the future and enjoy your dream home. It sounds like Christmas came early for you this year.]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>David Tannock</dc:creator>
                        <guid isPermaLink="true">https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/#post-51626</guid>
                    </item>
				                    <item>
                        <title>RE: (very bright) light at the end of the tunnel</title>
                        <link>https://trust-deed.co.uk/forum/scottish-trust-deed-forum/very-bright-light-at-the-end-of-the-tunnel-3994/#post-51601</link>
                        <pubDate>Mon, 19 Dec 2016 19:02:04 +0000</pubDate>
                        <description><![CDATA[That&#039;s great news, congratulations!]]></description>
                        <content:encoded><![CDATA[That's great news, congratulations!]]></content:encoded>
						                            <category domain="https://trust-deed.co.uk/forum/scottish-trust-deed-forum/">Scottish Trust Deed Forum</category>                        <dc:creator>Hamish</dc:creator>
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