Trying to start fresh ... shared ownership

[Whataloada]

Hi
I'm in a bit of a pickle and I'm hoping for some advice.
Relationship breakdown. I have three DC's and lots of financial adverse history. We are in the process of selling the family home which is necessary due to abusive ex-partner. However, recent ccjs have scuppered all my attempts to rent on the open market. Even with promise of a guarantor and larger deposit, I have tried to apply for shared ownership as I am hoping I can pay cash for a percentage and pay on the rent. However, I have found that housing associations also have red lines when it comes to adverse credit.
Hello/platform all have declined me.
Could really do with some advice as I believe I have tried all avenues and keep hitting closed doors.
My current house Sale is gearing towards exchange and so far I have not managed to secure anything because of my credit history. It's worth noting that all my unpaid debts will be settled after completion and I have no way of paying before this date due to High child care cost cost.

What do I do? Does anyone know of any scheme were lenient on credit, Ill have no need for a mortgage.

Many Thanks

Bumping, FC for some advice!

How will your childcare costs decrease on completion?

Heya,
Have you thought about using a mortgage broker, particularly one of those one that specialise in securing people with adverse credit mortgages. The only thing is some of them charge an upfront fee.

Great advice and this sorted my friend out of the same pickle.

Hey,

Thanks for the advice.ive been in contact with 3 different brokers who specialise in adverse credit, all with the same outcome.
One particular company quoted me 1600 on just getting a DIP which isn't even a fully successful application. I lost £100 quid on that one.

With this particular property, I could buy my share outright without the need of a mortgage. My only issue would be whether the housing association would be okay with the adverse credit issues

It might be worth ringing the HA and speaking to the people directly. Explain the situation fully.

How much equity will you have once you have sold your house? Would it be worth buying a really cheap house outright. Not sure where abouts you are in the country but near me you can buy £80000 houses not in the best area and only 2 bedrooms. You could buy something like that outright and live their for a few years while you save as much as you can then sell and buy in a better area and a larger house for you all.