Mortgage advice please

[Deleted User]

Hi all,

Just want a few opinions please.

Up until very recently I have been expecting to buy as a couple, but this has now changed and I will be buying (if it's possible) alone (all the research I have done has been as a joint application).

Will my circumstances realistically allow me to get a mortgage? And if so what would be a ball park figure of what I could borrow? (Unfortunately I live in a very expensive part of the country)

I earn £30,600 PA; I have been in my current job for 12 months (come Sept), I was not unemployed before this, but I went from a recurring short term temporary contract with one employer (it kept getting renewed) to a permanent post (such as they exist in the modern world) with another employer. So I have payslips to show I've not had any break in income. I think the fact I've only had my job for 12 months is what I'm worried about most.

I have 60k deposit (saved by me, not gifted).

I have a good credit report - no black marks, used CC's (paid off every month) for c. 5/6 years, never had loan and there are no "black" marks on my report (no late payments and no defaults etc).

I currently have no outstanding debts (not have I ever).

Opinions would be very gratefully received.

Many thanks,

D9

dimbo61

why not try a couple of Lenders websites!
Start off with the bank/building society where you have saved your £60K deposit.
Having put £30600 into YBS website with £60K deposit they came up with £142,232 but I did not put in all your details Car loan, HP, Loans, Credit cards, pensions etc
Sort of gives you an idea

[Deleted User]

Thanks for the response. Yes, I have put these details into lenders calculators, and got various different responses (without going to a "proper" application - as I don't want to have loads of searches on my credit file. I guess I'm more concerned really with whether or not only being in my job 12 months will have an effect?