Morning,

Whilst you are looking to buy in volatile times, what you are doing should be achievable subject to the absolute detail.

You will need a lender that will allow for a combination of your CCJ on file, use of overtime, use of income from 2 jobs especially given one of those jobs was only started last month.

You are almost certainly going to require 15% deposit, although affordability for a purchase price of £230k is likely to be achievable.

Given the variables here it would make sense to obtain your credit files and have a discussion with an experienced broker. As always, the results you could achieve will come down to the finer details..

Fees will always be transparent on websites and you will receive confirmation from any regulated broker at enquiry point, confirming what fees would be due when

Typically there will be brokers who don't charge a fee and those that do. Given the complexity of your case you are likely to need an experienced/specialist broker and these often are fee charging brokers.

As a fee charging broker ourselves, we would often reference you get what you pay for as experience differs significantly in this industry.

Broker fees vary, our broker fee would be £1,995 but importantly only payable once we have confirmed and delivered a formal mortgage offer

You would need to get your case fully assessed, but you are certainly in the right zone for what you were looking to buy at.