Police have released video footage showing the inside of a 'chop shop' used by two brothers to break down stolen cars and sell the parts on eBay.
10.03.2022 - 20:29 / manchestereveningnews.co.uk
As house prices continue to rise and the cost of living increases, getting on the property ladder can seem almost impossible.
Whilst people are struggling to pay their increasing bills and racking up debts, securing a mortgage can often appear to be an even greater challenge for those with bad credit.
When applying for a mortgage, your credit score is looked at and assessed to help consider whether or not you can pay your lender back.
READ MORE: The sought-after homes for sale in Greater Manchester that everyone is viewing
But although your credit history can affect the success of your mortgage application, Manchester-based mortgage advisors have said that it is not the be-all and end-all to getting a house.
Jamie Thompson, a mortgage broker situated in Openshaw, specialises in helping first-time buyers get onto the property market.
He says that his first piece of advice would be to have a large deposit.
"A larger deposit usually helps as the bank sees you as less risky the more equity you have in the property," Jamie explains.
"No two banks have the same rules either. Some have very black and while rules such as no defaults or CCJs in the last 6 years. Some have no specific criteria and assess each application on a case by case basis.
"A bigger deposit is always better when it comes to improving the chances of getting a mortgage if you’ve had some bad credit. Some lenders even take the property type into account. Some can be more lenient on a house than a flat of the same value with the same size mortgage."
But he also says that it is still possible to secure a mortgage without a huge deposit.
"Recently I’ve had two couples who had just a 5% deposit receive mortgage offers, both of which had CCJs for unpaid
Police have released video footage showing the inside of a 'chop shop' used by two brothers to break down stolen cars and sell the parts on eBay.
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