Hi Ryan, Thank you ever so much for your response and for passing on such positive news! Out of curiosity: Would most lenders still offer a 30 year mortgage term aged 36? Also, is there an official website of the brokerage you work for so I can contact you officially when the time comes? Many thanks...

Hi Foggy and Mark, Many thanks for your quick replies and thank you Foggy for passing on those contact details. It's good to hear that our situation isn't as hopeless as it currently appears to be! While I understand that a less than perfect financial conduct poses a risk to lenders, judging you bas...

<t>Hello,<br/> <br/> I was wondering if I could receive some advice on our situation.<br/> <br/> We would like to apply for a mortgage in 2021. My partner, who is the main earner and the main applicant, currently has an outstanding default that will drop off in January 2021. However, he has a somewh...