Owning your own home

Im way premature here but nowt like a bit of pre prep.
I have a rather large debt that is set to be removed from my record in a few months. Im very surprised but thinking of letting this run its course.
I have a CCJ that is quite low and has 3 years left. I will be paying that off the new year.
Im aware of council tax arrears not showing on credit reports but will my "houdini" debt show?
I wont be thinking about mortgages until the CCJ goes but should I wait another year after that?

TLDR?; how long after clearing my debts should I expect my credit score be high enough to be considered mortage worthy. <300 points atm.

6 years from the date you default it disappears whether you pay it off or not.

Get on credit karma, it's a good guide to show you what state your credit is in. As soon as the bad credit has gone you can start looking, I think I got a mortgage about a month after I had a default disappear.

No - cut a hole through the roof and tiles, then cowl on top (instead of on existing chimney)

Microwave is turning on but not heating things up. built in AEG jobbie. It’s fucked isn’t it? 😔

Yep.

And then there was carpet, in two rooms.

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Think you're missing something in that fireplace area, not sure

Perhaps

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There'll be some twee shit in there at some point I'm sure. But we're looking at electric stoves.

Depends on the size of the CCJ, but for some lenders having a small amount outstanding isn’t a massive problem.

I’ve got Mortgages sorted for people who have had mortgage arrears in the last 24 months and 6 unsatisfied defaults and CCJs 2 years ago.

You’re probably mortgageable now, but not yet with high street lenders. When that will be will be subject to each individual lender and amounts and timings of the CCJ.

But we're looking at electric stoves

Keep us updated on what you go for. I'm thinking the same for ours. Especially useful for heating the lounge when I get up with the youngest at ~6am and there's no point having the CH on for the whole house.

Ms_com was looking at some ridiculous £1k job that you could actually cook in. That's not happening. And by that I mean, I'll let you know what it's like when it mysteriously appears.

https://jharries.co.uk/product/everhot-electric-stove/9867

£1350, even worse. Christ

This wasn't what I imagined an electric stove would be, in my head it is what my granny has with wiggling fake flames. Thats nice but definitely pricy

They look a bit small visually in the fireplaces they've used for the promo shots imo.

Carpet looks good. Definitely the kid friendly* route and more comfortable for a sitting room.

I keep forgetting to write it down, but what mm ply did you use for your shelves?

*other than all the shit they'll drop.

Like a mini mini Aga.
Like RJ said, not what I imagined, kinda cool.

I used 25mm pine for the shelves. - https://skirtingboardsdirect.com/products/category/pine-shelfs/

5.5mm ply for the floor - https://fulhamtimber.co.uk/2440x1220x5-5mm-hardwood-wbp-plywood-bb-cc-en314-2-ce2/

Same, but it's hard to find one that isn't granny-ish or looks like you also own a glass dining table.

I'm also interested as we've decided against the wooden stove for environmental reasons

My brother has the larger version of the everhot in their kitchen and really rates it...

I really like it, there are just many other things to spend that money on right now.

I didn't realise this was a thing, it looks like it can be no idea how it's been installed though.

Oh for sure, crazy money for what it is

A badly insulated oven has a similar effect!

Ha! but without the middle class bonus points...