Home Mortgage Consultants
Will they give us a mortgage? (UK)?
Me and my boyfriend are looking to get a mortgage in May, we will be first time buyers.
My boyfriend takes home about £55,000 – 60,000 a year after tax, he is a freelance consultant and has been in continuous employment since he started out last may.
We have one debt of £4,000 and he has a very good credit rating.
I don’t work at the moment as i’m looking after our baby.
Based on this information – how much do you think they could lend us?
Thanks for your help.
You don’t mention your ages but that should not matter too much. Even in the current climate you should be able to get a mortgage. Get in touch with a broker who will advise.
From the figures your bf earns as a self employed you should be able to achieve between £110,000 and £165,000, also if you are working they would include that as well.
Alternatively if you have not got a house in mind look at the big building companies such as Barrett’s and Persimmon etc… They are desperate to shift their houses and are offering creative mortgage and buying packages.
Good luck
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The above mentioned are the basic requirements in order to qualify for a home loan. Secondly, I was interested to know how big a home loan I could get considering Home Mortgage Consultants. As soon as I knew how much, I could start searching for a house.
Home Mortgage Consultants
Filing for bankruptcy, are you glad you did it?
My husband and I have had really bad luck with jobs these past couple of years, we have racked up some credit card debts and it’s hard to make the minimum payments nevermind trying to pay down the balance. We somehow make it by each month but pay a lot of our bills late even though we both work full time jobs and I do a home consultant business on the side it’s hard to come up with extra money to pay down debts. We are thinking of filing bankruptcy as a last resort because we were going to try and refinance our mortgage and take cash out to pay off some bills but with the housing market the way it is, we can’t get a good appraised value for our house. So anyone out there filed bankruptcy and are you glad you did it? Did all the debts go away or did you have to repay and how long before your credit was back intact?
Yes!! My husband and I are 3 years out of our bankruptcy and where we do get some credit the APR on all of them are around 16%-18% which is a lot of extra money that we are paying now because of what we did then. If I knew then what I know now I would of never filled. We even got questioned when we wanted to rent a new apt and they pulled a credit report. We have to explain why we filled every time we want to apply for anything. It is really hard now and quite embarrassing. Now i cannot tell you how things would of went had we not filled but at the time it was a “quick fix” and it did work. We got rid of all of our debt. I still would never do it again or recommend it to anyone. Only you know your situation and I would advise talking to a lawyer before you file. Just to know your options. I would maybe even look into a financial advisor to maybe find out some other options on how to get your debt paid off. Good luck it is a tough decision.