Football2024
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First time poster but wonder if anyone could advise. In the process of applying for a mortgage and received credit report as part of the process. I have a revoked credit card of €2k that I had forgotten about and have now put a plan in place of paying back with BOI. Commencement of this starts this week and I am committed to paying €100 a month. We can pay it all off in one go but don't know if that would help. Can anyone advise if there is any lender who may look at us or are we just completely blacklisted. We are looking to borrow €160k which is what is left on our current mortgage. We tested the market and our house could sell for €340k. My mother is coming in with us and has cash to put toward the sale. Our current home is not big enough for 3 adults and 2 teenagers as we are a 3 bed semi. I understand I have done wrong by not making payment sooner but I would hope some lender may see it was a blip, I have learned and willing to put it right. Both I and husband are in permanent jobs, I am public sector and he is private sector. Have been advised to make contact with our current lender AIB and see if they may be able to help and also to contact Finance Ireland and EBS as they look at applications on a case by case basis. No hate please. Any help or advice would be most welcome as we have our eye on a house local to where we live and would like to make it happen. All else on credit reports are clear. Thank you