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 accep...
Hi I managed to get a DIP today via a broker and they're confident it should all be ok. I declared my trust deed and the only criteria they had was it...
That's great - well done! I'm speaking with a broker now who has a few lenders who are an option for me. I've also been in touch with Glasgow credit u...
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...
Mapleaf what lender have you applied to for reference?
I meant I completed it in Nov 2013, so 6 years from that would be 2019.
I completed the trust deed in 2016 so I'd assume they meant from when it was completed and removed from my credit file? So that would be 2019. If it's...
Thanks Pingpong. That's how I am looking at it. From what the broker and Halifax themselves have said they've same criteria as Lloyds. I've been hones...
I called Halifax direct and asked a load of questions. They said as I had the trust deed within the past 6 years I'd need to declare it when it asks t...
In what way wary? Yeah the broker explained how the scoring works and said if they're willing to potentially lend to you they go by your credit score ...
Thanks mapleleaf. I did have PPI so this does explain that. I've never got involved in the PPI claims though I just left tthem to it. I didn't know th...
That's great - many thanks. Just wanted to check this.
Thanks. Deposit and affordability aren't an issue at all. Its HTB and I've got £10,000 saved for that. I also earn £40,000 p/a in my career, which me...
Thank you. It's been really helpful so far.
How long after your own discharge is the trustee discharged? I was discharged March 2013& only this month is it showing my trustee is discharged. 3 ye...