I don't even know where to start but i'm looking for some helpful advice. My girlfriemd and I are applying for a 350k mortgage at the moment for a self build. We have a site valued at 280k. Girlfriend earns around 48k. I also have decent enough job and earn around 62k. Plus my work also gives me a monthly mortgage supplement of €190 to my salary. I also have pension with AIB with 35k paid in.
A while back i accumulated some debts with AIB and wasn't in position to repay at the time, i've consequently paid off everything i owe, without having extra borrowing to cover this. However i'm down on a credit list with AIB.
At this time we have no debts or borrowings however AIB are refusing our joint mortgage application because of my poor credit rating and my partner can't get enough on her own.
What are my choices?
Is it worth trying a different institution?
Any help or advice gratefully received.
Thanks
A while back i accumulated some debts with AIB and wasn't in position to repay at the time, i've consequently paid off everything i owe, without having extra borrowing to cover this. However i'm down on a credit list with AIB.
At this time we have no debts or borrowings however AIB are refusing our joint mortgage application because of my poor credit rating and my partner can't get enough on her own.
What are my choices?
Is it worth trying a different institution?
Any help or advice gratefully received.
Thanks
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