Good news - you can get a mortgage. Bad news is you need to find a place which cost about ￡50,000 - this is how much you are able to afford at the moment with your savings and ￡13,500 gross salary

Go to see a mortgage advisor at your bank or other high street lender! But on ￡12k a year you are on a VERY low salary to begin with. Your poor credit won't help either.

You probably won't be able to borrow more than about ￡45k. Are there houses for that price in your area ?

Good luck anyway

Find an experienced mortgage broker. They have avenues to many lenders.

A bank can help you.