Bad credit mortages

paid off credit card Jan 24 that went into default have 50k for deposit for mortgage with partner, how long should we wait till we apply for a mortgage? Or will it be possible to get one with the defaulted credit card…

I presume you have checked your record on the CCR?

Useful info here: https://switcher.ie/mortgages/bad-credit-mortgages/
CCR keep information on all loans for 5 years after the final payment. Lenders will look at the last 2 years in detail.
That would mean that information is available for 5 years after the last repayment, which in your case will be January 2029.

Go to a broker and explain. They might be able to find a lender who will lender to you but probably not at the best rates.

Not yet no, but I assumed my defaulted credit card would be on it… was just looking for general advice on when best time would be to put a mortgage application through after

wondering98 said:

general advice on when best time would be to put a mortgage application through after

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Well, doing it when you have a clean credit record will maximise your chances of being able to borrow, all other things being equal.