FTB Help Please!

Dave_Ham

Wh05apk wrote: »

Just a minor thing, rather than appy for 90%, try 89%, sounds minor, but lebders will increase the score needed at 90%, sometimes you can creep through at 89%.

Now we are sharing tricks of the trade... but it is accurate..

Throw in put the best credit file as applicant 1 and not just the man (as the man thing) or the one with the highest income - the best credit file = applicant 1

Good luck

Wh05apk

Dave_Ham wrote: »

Now we are sharing tricks of the trade... but it is accurate..

Throw in put the best credit file as applicant 1 and not just the man (as the man thing) or the one with the highest income - the best credit file = applicant 1

Good luck

............and make sure work phone numbers are entered!

Emphasises why on a case like this a broker is essential?

Danni-R

Hi,

I'm not a mortgage broker or work in that area but I'd agree with them.

Its not going to make pretty reading and being 'punished' now for a misspent youth doesnt seem fair but sometimes thats reality.

10% deposit is what most people think you need. In fact you're going to need more. I know the north is cheaper but will £100k get you want you want? The rate wont be great because you only have 10% and with your credit history they will add to that. Clear your CC and clean up your credit file. In that time continue to pay everyhting on time and save more. Thats really your best option. You dont want the bank/BS to lend to you but you not be able to afford the repayments because of the interest rates.