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Self cert Mortgages

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Comments

  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    Is the mortgage in joint names or just in your name?
    I am a Mortgage Adviser
    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.
  • millsy1980
    millsy1980 Posts: 50 Forumite
    Part of the Furniture Combo Breaker
    molly22 wrote:
    thanks herbie,

    my actual income is only @ £15,000, but i share with my mum whose income is @ £13,000.
    we have supported the current mortgage of £156,000 for the past five years, without any trouble.

    grateful for any help
    thanks
    molly

    Is that what you originally declared on the application for £156,000?
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    millsy1980 wrote:
    Is that what you originally declared on the application for £156,000?

    Are you thinking what I am thinking? ;)
    I am a Mortgage Adviser
    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.
  • millsy1980
    millsy1980 Posts: 50 Forumite
    Part of the Furniture Combo Breaker
    herbiesjp wrote:
    Are you thinking what I am thinking? ;)

    Quite possibly but then I am know for being a bit cynical! :o
  • molly22
    molly22 Posts: 183 Forumite
    Part of the Furniture 100 Posts Photogenic Combo Breaker
    i think the mortgage chap added the incomes together in my name cos my mum too old to be accepted.
    is there something wrong?

    im getting worried now.

    thanks
    molly
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    Is the mortgage only in your name then?

    Do you have any other income/benefits that your receive?

    How old are you and your mother?
    I am a Mortgage Adviser
    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.
  • molly22
    molly22 Posts: 183 Forumite
    Part of the Furniture 100 Posts Photogenic Combo Breaker
    the mortgage is in my name.

    i have a part time income and benefits only.

    i am 46 and mum is 68.

    is it not looking good?

    thanks
    molly
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