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Me and my partner thinking about trying for a mortgage we on a joint income of about £35000 the only problem is we got some bad credit history including a couple of ccjs which could be cleared but ive heard they stay on your credit file for six years and the interest rate is going to be really high if youve had bad credit history does somebody know the average mortgage rate for some1 with bad credit history and know of any companies which may be able to help with a mortgage if it helps should be able to put a £5000 depo down.

Hia lot of companies will charge between 1 and 2% above the normal mortgage rate. unfortunately, as these same companies have you over a barrel they also charge a fee to arrange the mortgage, sometimes 3 - 5% of the mortgage amount, which they know you cant pay, so the money is added to the mortgage account and you pay extra interest on this . gulp!!if you have a bank account and have used it properly over the last year or so then i would suggest going to your bak and talking over the options. a self certificated mortgage may be an option, this is based on your ability to pay as opposed to your earnings etc.one thing to bear in mind though is not to have blokey credit searches done as each one is logged on your file and can affect your rating.if the bank cant help you out then do a web search and get some general info from reputable lenders, or speak to a reputable independent financial advisor.hope this helps and nice luckkeep smilingdean