Please help!

[linda35]

Hello

I am currently living in rented accomodation that was once owned by my mum. She sold the house in 2006 to a rent back company and they sold it on to a private landlord within a month even though she had a 2 year tenancy agreement. Anyway the landlord has been pushing us to buy the house since 2007 as he wants to sell, the thing is I am having difficulty raising the desposit for the mortgage. Does anyone know if there are many optionsopen to us? I have a ccj due to come off my file and one default, this whole episdode is putting me under stress especially as the landlord calls once a week to see how things areprogressing. It would be easy to walk away but my mum loves this house. Thank you

[Ronny]

Hi Linda,

Have you looke dinto the government first time buyer help schemes. I am not an expert with them but their one particular scheme, for which if you qualify, they will grant an equity share.

Most lenders will accept this as a deposit and you will then hopefully be able to apply for a mortgage.

How long before your CCJ disappears and when did the default occur?

[linda35]

Hi, thanks for your reply, the CCJ was placed on my file in error along with the default, the CCJ is coming off within a month and I am trying to remove the default too, hopefully within a month also. Are the government schemes available in Northern Ireland?