Will we be able to get a mortgage at all???

[DopeyDawg]

Cant seem to get any Indy Mortgage people to call me back so am asking here.

We want to buy a house. It is a Repossession.
Bank wants oiro £107.5K
We would initially offer £100K
(it last sold in 2007 at top of market for £160K).

We have low deposit of £10K so would need a mortgage of around 90K or 90% over 18 years as H is 49. We are not first time buyers. We have no history of poor credit.

Income: H: 26K gross. Me: just DLA and child benefit so around £700 pm.

We have 2 kids - 10 and 7.
also £10K on credit cards (int free atm).

Do we have a chance, do you think?
Will the credit card debt scupper us?
Can we not mention it, or would that be very stupid indeed?

thanks, if anyone can offer advice?

A decent broker will only try and place your case if they think it will be accepted.

The credit checks won't do much harm as, if you can't get the mortgage, you won't be applying for credit elsewhere anyway would you?