Eviction imminent - can we buy

Adverse Credit

TLR - Landlady selling giving us first refusal - really adverse credit - even worth trying?

I’ll try and be as succinct as possible, but my fiance and I with our two kids have lived at the most amazing house but landlady isn’t finding it profitable, wants to sell, we want to buy but our situation is bad I think. Want advice on whether it’s even worth hitting a broker and if so who to go to.

Fiance (m)

  • £60,000 a year, stable employment
  • has some missed payments and default, recently had a Monzo account closed due to overdraft (they are brutal with account closures)
  • No ccjs
  • one daughter from previous relationship

Me (f)

  • Disabled and have been unemployed since 2023 due to health.
  • looking to go back to full time work after an injury imminently
  • without work - I receive £1580 in UC and £740 in PIP monthly
  • a son that lives with me full time
  • CCJ that I need to get removed as agreed by debtor on basis of non service (can be done in 2-4 weeks)
  • defaults and missed payments from past two years

We have both used a DMP in the past year

Combined we have about 20,000 in debt.

Is it even worth trying or are we embarrassing ourselves by even attempting a broker?

We really love this house and moving while injured is not ideal at all.

Posted Mar 12, 2025, 7:52 PM UTC

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