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First time buyer credit history advice
Comments
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You probably don't need to be quite so sarcastic. The OP was just asking for some advice- they weren't ever saying that they weren't going to pay it.
Be kind, always.
Nothing sarcastic in my comments. Just hard facts. People can make their own decisions therefore have to accept and live with the outcome of their actions. In business no one plays games.0 -
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Did you not notice the sticker MSE put on his profile saying 'Newbie, please be especially nice' or did you just decide to ignore it?
'In business no one plays games' tell that to Man Utd. ;-)£1000 Emergency fund No90 £1000/1000
LBM 28/1/15 total debt - [STRIKE]£23,410[/STRIKE] 24/3/16 total debt - £7,298
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I would expect a key facts illustration to be provided before any credit check was carried out.Kamalamrani wrote: »I didn't ask which lender they got me an AIP with, i'll try and phone them tomorrow and ask, if they are not open then certainly first thing Monday morning.
You should be aware of the terms and conditions of the product before a broker expects you to make any commitment to it.I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Phoned NHM this morning and they told me the AIP is with Halifax. They were also adamant it's NOT an affordability test and an actual AIP.0
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Did you ask where your KFI is?I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0
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