We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Best broker recommendation please :)
sparkly_momma
Posts: 55 Forumite
Hi
We are FTB and we need help in choosing a broker. We have had a mortgage declined with natwest after a successful DIP so are now feeling a bit desperate.
Our landlords have put our house up for sale and we need to move out otherwise we wouldn't be looking to buy just this second, as we are well aware we aren't prime candidates.
We are looking for £190k with a gifted £10k deposit, income of £35k plus annual non-taxable pension of £6k and tax credits and child benefit of £4800.
Husband has one settled agreement to pay dated July 2010, and I have one late payment from jan 2011. Other than that we have a credit card which is cleared each month and a loan which is £316pcm.
My husband's AP only appears on equifax and is the reason natwest declined at underwriter stage. Frustratingly we had only checked experian and all was clear on there!
We now realise we need the help of an experienced broker, but have no idea who to approach. Can anyone recommend? I know there are some fab brokers on here, so if you think you can help with this please let me know
We are FTB and we need help in choosing a broker. We have had a mortgage declined with natwest after a successful DIP so are now feeling a bit desperate.
Our landlords have put our house up for sale and we need to move out otherwise we wouldn't be looking to buy just this second, as we are well aware we aren't prime candidates.
We are looking for £190k with a gifted £10k deposit, income of £35k plus annual non-taxable pension of £6k and tax credits and child benefit of £4800.
Husband has one settled agreement to pay dated July 2010, and I have one late payment from jan 2011. Other than that we have a credit card which is cleared each month and a loan which is £316pcm.
My husband's AP only appears on equifax and is the reason natwest declined at underwriter stage. Frustratingly we had only checked experian and all was clear on there!
We now realise we need the help of an experienced broker, but have no idea who to approach. Can anyone recommend? I know there are some fab brokers on here, so if you think you can help with this please let me know
0
Comments
-
This is going to be difficult to place, but not necessarily impossible.
Ensure any broker is suitably experienced
Best of luckI am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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 -
Your name has been recommended to me Dave, I shall give your lot a call in the morning 0
-
sparkly_momma wrote: »Your name has been recommended to me Dave, I shall give your lot a call in the morning
Perhaps time to switch on voicemail?
0 -
We aren't that bad let us see ! 0
-
I am sure you aren't. But at just under 95% LTV, a fully gifted deposit, coupled with a little adverse, it would not make me jump for joy!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards