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I have seen a property but can only put down 10% deposit
Hi anner70 and welcome to the forum.
My thoughts are that despite clearing debts from the sale of your home, you credit rating will stay with you despite them all, presumably, having been satisfied on paper. This is because credit ratings relate to attitudes to borrowing and repaying and you will simply have to rebuild yours again. Plus a new 90% advance is almost certainly not going to be agreed and you would need a lot more deposit to cement a new mortgage advance based on what you have said.
But this is just an opinion so it would be beneficial to have a chat with a decent mortgage advisor to clarify your options.
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