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First time buyer - good salary + no missed payment - still can't get a mortgage!
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johnjones123 wrote: »Hi All,
I've tried a number of banks to get a 90% LTV (£162k mortgage).
Experian rating is 750/999, equifax is 483/600.
I have one credit card with a limit of 3k and have had a personal loan for £3k in the past. I've never missed a payment, no negative points on my report.
Any tips for getting a mortgage or building my credit up enough so I can?
All lenders say affordability is excellent (it's well within what others would get on my salary) but the credit score limits the LTV.
John.
Each time you make an application, it leaves a footprint on your credit record. How many banks have you already applied through?0
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