Most Councils are well aware that many people trying to buy their Council Houses have both poor credit and low income – and many have made special arrangements with specific Mortgage Lenders for ’social’ loans ..

Under normal circumstances you could expect to be offered a Mortgage of at least 3 times your joint income .. i.e max. 3 x £36,000 = approx £100,000 so you should have no problems here .. and your ‘LTV’ (Loan To Value) is only about 75% (i.e. you are paying approx £75k for approx £100k house) so you have an ‘effective’ deposit of 25% (£25k) ..

So what must be putting off the lender is your Credit Rating .. and here is where the Council can help ..