i need a morgage

[jacquelineba]

Which company will give me a morgage i have two c c js they were paid of by me ,they have been on my file now for about four and a half years does anyone think i have a chance of getting a morgage anywhere

[WoWo]

if you have a secure job and are capable of paying the amount needed then you should be able to get one. But you will pay a much larger interest rate as you are seen as a higher risk than most. Your own bank is always a good place to start as they have seen your financial position for a long period and are therefore more willing to give out such loans.

[Oneeyedvic]

If both are satisfied (ie paid off) and you have other commitments that have been running normally since then, due to the timing issue, most mortgage companies will offer you credit. It does rather depend on your LTV (loan to value) and on what your salary compared to the mortgage required is. I would go to a mortgage advisor and explain to him your previous problems. It may also be advisable to get your Experian and Equifax reports.