Help with getting a first time mortgage

[safehands]

Hi all bit of in depth one here id be grateful if you could answer any of the questions I have.
I tried posting in the mortgage thread but haven’t got enough karma
Firstly I earn £27,134.64 yearly salary. Barclays calculator say they would be able to give a mortgage of £122,103 l will have around £20-25k down payment However Barclays declined my application.
My credit score on clear score is 409 out of 1000 l have had a shit financial history tbh. On my credit file on ClearScore shows 1 CCJ. One that has been paid and started July 2018 so I believe this would drop off this year.
I did have another which I paid immediately and was discharged July 2019.
I have one in default account still open capital one I owe £219. Which I'm going to get in touch to pay that's from July 2018 My other account with payments missed on is closed and paid in full and is from September 2018
I have a few open accounts credit cards with all more than 50% utilisation. Slowly bringing these down. And a couple of phone bills which are slowly coming down monthly.
Now since 2019 l've got no missed payments on ClearScore. However I do quite often miss the direct debit dates but these are usually paid with a few days of missing them. If these were missed payments, would they show as such on ClearScore?
So after Barclays declined me they recommended me to try Kensington mortgage which I believe are quite high interests.
My questions are is Kensington legit? Should I wait? at what point will I be able to get a mortgage through a main bank? Or what credit score would they offer? And what should I do?

Thanks you so much for taking your time to read this. nu even more so if you could provide me an answer.

 

[denispeter]

@safehands I think in these instances it's best to speak with a mortgage broker.

 

[lilypeace12]

@safehands What do you mean you quite often miss direct debit dates? A bank sees that and they will run a mile. Even now you don't sound reliable. Pay off all your debts and credit cards. Stop "missing" payments then look at applying again

 

[safehands]

@lilypeace12 Do all banks see that? If so where at? Or is it just the one I’m with and how long can they see it for

 

[lilypeace12]

@safehands They can see it in the bank statements you'll have to provide

 

[safehands]

@lilypeace12 Oh cool never really thought on that one. I will sort this out. How many months worth of bank statements do you have to use when applying

 

[lilypeace12]

@safehands Minimum 3, probably 6 months

 

[gvr]

@safehands Are any of the debts you have or have had in the past with Barclays?

 

[safehands]

@gvr No never had any dealings with Barclays apart from applying for a current account 5 months ago which they turned down. I have a current account with Halifax which I’ve had for about 10 years approx. Only loans that I’ve had where payday ones which I defaulted on and paid off eventually and they are due to drop by October

 

[gvr]

@safehands If they turned you down for a current account they weren’t very likely to accept you for a mortgage.

Have you checked all the credit reference agencies? I think clear score uses equifax, you should also check Experian and transunion to see what they’re showing.

But as someone else has mentioned given CCJs, missed payments etc it’s definitely something to get a mortgage broker who specialises in adverse credit involved in. Good luck!