Posted on 15 April 2018 by Brett

My wife and I both have excellent credit scores. I have a settled cpw default which is 5 and a half years old can we get a 95% mortgage. My wife's score is 999 and mine is 976.

Hi Brett,

Subject to knowing the rest of the details around your case, this may be something we can assist you with. Luckily most of the lenders who are offering 95% mortgages are the smaller ones who don't just go on the credit score, and can therefore look at individual cases on their merits.

If you'd like to talk your enquiry through in more detail, then please let me know and I'll arrange a convenient time for one of our consultants to contact you.

Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.


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