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Mortgage for someone who is stuck :D, help plz

2

Comments

  • *doodle*_2
    *doodle*_2 Posts: 159 Forumite
    Your low salary and temporary contract mean that you won't get a mortgage. A couple of years ago maybe but definately not right now. Hopefully, your 22k will be ok but, next time, speak with a mortgage advisor before putting offers in. You have, I'm afraid to say, been foolish in signing any document before having a mortgage agreed in principal.
    :jOverdraft = Gone!! (24/6/11)

    Grocery shopping ~ £17
  • *doodle*_2
    *doodle*_2 Posts: 159 Forumite
    linuxuk44 wrote: »
    My partner can chip in and she earns 24k , any advise?
    Wat is the norm multiple of salary? X4 or x5

    make an appointment with a mortgage advisor and make sure that your relationship is 100% solid before making a huge financial committment.

    'chipping in' is not the right attitude to have when purchasing a house. It reads as though she is doing you a favour when, in fact, she will become a co owner of the property.
    :jOverdraft = Gone!! (24/6/11)

    Grocery shopping ~ £17
  • linuxuk44
    linuxuk44 Posts: 86 Forumite
    edited 2 March 2012 at 7:25AM
    deleted thread
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    linuxuk44 wrote: »
    My partner can chip in and she earns 24k , any advise?
    Wat is the norm multiple of salary? X4 or x5

    When you say 'chip in', will she then be buying the property with you and being a joint applicant on the mortgage?
    Would've been helpful if you'd said about this to begin with.
  • linuxuk44
    linuxuk44 Posts: 86 Forumite
    edited 2 March 2012 at 7:25AM
    deleted thread
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    Why didn't you say about the joint income to begin with?
  • linuxuk44
    linuxuk44 Posts: 86 Forumite
    edited 2 March 2012 at 7:26AM
    deleted post
  • ViolaLass
    ViolaLass Posts: 5,764 Forumite
    linuxuk44 wrote: »
    is it not suffecient that I have said it now?

    It makes you look a bit disorganised.

    Did you think any of this through before you handed the deposit over?

    And no, an appointment does not mean you've got the mortgage. It just means you can apply and they might try to sell you some insurance/credit card/savings account etc.
  • linuxuk44
    linuxuk44 Posts: 86 Forumite
    edited 2 March 2012 at 7:25AM
    deleted thread
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    linuxuk44 wrote: »
    is it not suffecient that I have said it now?

    I wasn't having a go but you made out in your original post it was just you, hence the replies about your income. and the fact you had an application in progress.
    So basically after all of this your question is will you be accepted by the lender you've applied to with a joint income?
    No point speculating on that I'm afraid
This discussion has been closed.
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