So sorry Jan, thought I'd already posted my thanks.

Thank you and sorry for the late response x

I've heard people mention about checking your credit status with all 3 agencies. I'm aware of Experian and Equifax - can you please tell me who the third one is?

Thanks
Sean

Thanks for the offer and sorry for the late reply. We don't think our deposit would be enough for a 50% mortgage. We'll just have to save up and keep renting until we have a big enough deposit

Thanks for the info Jan. We'll look into finding a Whole of Market broker and see what they can offer.

Will keep you posted.

Thanks again
Sean

Hi Jan, Thank you for replying and for your condolences. Sorry but I don't understand what you mean by 'Full and Final'. We checked our credit report at Credit Expert and although the defaults are listed there they all show as satisfied. My understanding was that after December these will go and our...

Hi, I wonder if anyone can confirm if this is true. We finished our IVA last October (2010). Because my mother passed away we have a decent deposit to put down on a house. We've been told that because (at the moment) our debts still show on our credit report (as satisfied) we are unable to get a mor...