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income for mortgage?

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  • kingstreet
    kingstreet Posts: 39,277 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    james2012 wrote: »
    and where do you work?

    I'm a SAHM and he works in ASDA stacking shelves.

    I don't think they will be making an offer.
    I'm sorry, I'm either very thick, or this post makes no sense whatsoever?

    Your friend wants to sell his house and he has some mystical way of working out who earns £35k a year and who has £16k deposit? If he doesn't, he would need them to tell him, surely?

    A tyrekicker comes around and you have absolutely no knowledge of his financial circumstances. He may have millions, he may have nowt. Relevance?
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • jenny2009
    jenny2009 Posts: 149 Forumite
    I've never heard of that in my life. Viewers should always go through the estate agent before coming into your house - they could be anyone!

    In Scotland you go through a solicitor not an estate agent. And why would you not knock on someones door if there is a for sale sign outside?

    That is how my sister got her current house.
  • Made me laugh! A friend of mine's partner is a SAHM, he just got a job stacking shelves... having sold his consultancy for several million pounds plus a big big pension, he just needed something to do and a change of pace...

    Don't judge a book by it's cover ;)
    Made me laugh too. I have a friend who doesn't work and probably won't ever have to again providing he lives modestly. He's currently looking for a 2 bed cottage in the range the OP mentioned and would fail the doorstep interview due to his employment status even though he could pay cash for it a few times over. :cool:
    Whatever
  • ali-t
    ali-t Posts: 3,815 Forumite
    jenny2009 wrote: »
    In Scotland you go through a solicitor not an estate agent. And why would you not knock on someones door if there is a for sale sign outside?

    That is how my sister got her current house.

    If someone knocked on my door I would ask them to go through the solicitor rather than just letting any random punter in. I have never heard of people doing that in Scotland and the closest you would get to that is open viewings where people have set times that anyone can visit e.g. 10-12 on a particular Sunday. A friend of mine tried this recently but didn't get any interest.
    If you always do what you have always done, you will always get what you always got!
  • poppy_f1
    poppy_f1 Posts: 2,637 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    jenny2009 wrote: »
    In Scotland you go through a solicitor not an estate agent. And why would you not knock on someones door if there is a for sale sign outside?

    That is how my sister got her current house.

    not always, i went thru an estate agent when i was looking last year, a lot of solicitors do have estate agencys as well tho but there are *normal* estate agencys as well in scotland
    and i wouldnt be unpolite to just chap someones door to get a viewing there and then, would always go thru the estate agent or whoevers selling the house to make an appointment
  • beecher2
    beecher2 Posts: 3,677 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    jenny2009 wrote: »
    In Scotland you go through a solicitor not an estate agent. And why would you not knock on someones door if there is a for sale sign outside?

    That is how my sister got her current house.

    You'd go through a solicitor only if they were acting as the estate agent. I would never knock on someone's door if there was a for sale sign up, and would never let someone in off the street - maybe things are different in other parts of Scotland but you'd be asking for trouble doing that in Glasgow in my opinion.
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