chickenrun432
12:06 Wed Oct 26
Re: Mortgages
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Hi Andy, I am a mortgage broker and will be glad to help.
Give me a call in the office tomorrow and I will happily run through everything with you.
My number is 0208 255 8336
Scott - Kingston Mortgage Services
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matty moo
9:22 Tue Oct 25
Re: Mortgages
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Hi,just sent you a 2 message. One by mistake
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matty moo
7:06 Tue Oct 25
Re: Mortgages
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Just sent you a message.
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Northern Sold
5:52 Tue Oct 25
Re: Mortgages
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WHERE THE FUCK IS WONKY TITTED KLASH WHEN YOU NEED HER??
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TC
5:38 Tue Oct 25
Re: Mortgages
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I've just applied through Santander and it took approx. 3 weeks from application to offer stage. They requested 3 months of bank statements and did come back with a few specific queries which made me think they did more than just match payslips to credits.
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Ricky
5:36 Tue Oct 25
Re: Mortgages
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The best advice in the world is get a good independent broker and leave them too it.
We spent about 30min in total with the broker, gave them our bank account statements and wage slips and she got back to us once it was offered.
It was completely stress free whilst people we know were spending 3 hours in the bank justifying every single penny on their statements.
A proper broker will have personal contacts in all the major lenders to make problems and issues go away. Priceless.
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andyd12345
5:26 Tue Oct 25
Re: Mortgages
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Didn't know that RichyP... Fortunately we are engaged but not married!
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RichyP
5:21 Tue Oct 25
Re: Mortgages
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I don't know if this has any effect on mortgage applications, but I know that for stamp duty if you're married then you count as a single entity in terms of property holdings so it doesn't matter if the other property is only in one of your names it counts as both of you so the second property you will have to pay the higher rate of stamp duty as it will be classed as a second home even if it is in just one of your names.
This is based on new rules that came into effect April this year.
Fuck knows how they find out if you try doing it on the sly but in my experience they (the tax man) always find out.
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ludo21
4:23 Tue Oct 25
Re: Mortgages
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I've just moved and wanted to keep my Woolwich (Barclays) mortgage as on very good rate.
Whole thing was a nightmare, initially the underwriter turned us down but went back with a lower application and eventually got there, but it took ages... they are much stricter now than they have ever been. Our Barclays adviser said that once you have received a text saying that the valuation has been instructed you are home and dry, still took forever from that point though.
Worth it in the end though as we have a rate at 0.19% above base which we have for another 20 years!
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penners28
4:05 Tue Oct 25
Re: Mortgages
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just match any outgoings to your bank stats. So if you pay £33.67 per mth for gas then put that.
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