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new job new mortgage???
strawberrytrifle
Posts: 9 Forumite
Is there anyone out there with financial advice for me? I'm pretty new here. I currently have a joint mortgage on my flat with my husband. We went travelling and he has a new job (3 months now). I am unemployed but start my new teaching job (permanent contract) from Sept. Most lenders say you should be in employment for 6 months. Does anyone know of any lenders who are flexible with this criteria and would be willing to give us a new mortgage as soon as I start work or at worst 3 months in? Reason for move is to be closer to our new jobs.
Thank You Sooo Much
Thank You Sooo Much
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Comments
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No problem there.
You need the services of a whole of market mortgage broker to marry up your circumstances with a lender.
Post your proposed property value, incomes, deposit, adverse history
JoeKI am an Independent Financial Adviser.Anything posted on this forum is for discussion purposes only. It should not be considered financial advice. Different people have different needs and what is right for one person may be different for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser who can advise you after finding out more about your situation.0 -
Some lenders will agree the mortgage now for you based on your incomes (and the fact you will have a signed contract for the post you start in September)
HTHI am a Mortgage AdviserYou 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.0 -
Northern Rock, Cheltenham and Gloucester, Royal Bank of Scotland, Chelsea BS, Accord Mortgages, Skipton BS
There's absolutely loads that would do it, its finding the most competitive which matches your income multiples/affordability and that fits your needs which is the hard bitI 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.0 -
wow that's great news! I thought it would be a lot harder. Thanks to all who replied. This site really does work....0
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Income 29000 and 18000 min. No adverse credit at all. Had current mortgage with Woolwich for 1yr. Currently on 2 yr fixed til Mar 2008(mortgage 135,000). We hope to sell our flat and have a deposit of £50k. New property price roughly £185000 max-although would prefer something less (wouldn't we all.)0
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Is you mortgage with the Woolwich portable?
Check with them first, as you may save yourself having to pay a redemption penalty.
Looking at your details it's all systems go, with no worries about getting a new mortgage.
JoeKI am an Independent Financial Adviser.Anything posted on this forum is for discussion purposes only. It should not be considered financial advice. Different people have different needs and what is right for one person may be different for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser who can advise you after finding out more about your situation.0
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