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Natwest
anxiousann
Posts: 6 Forumite
hi
i am looking to buy a new build £201000 we are getting the 20% deposit of 40200 and have a deposit of max 15000.. we have been talking to natwest and got an appointment on friday - both our salaries of combined £46000 go into the account. we have a dfs loan of 4000 and credit cards 1 at 1900 and another at 2800.
i have a satisfied ccj from 2009 satisfied in full 2011, the affordability is not a problem at all.
i have only 2 payslips though from current role but natwest have all my details as i have banked with them for 5 years no overdraft or any issues like this..
my credit score is still in very good regardless of this ccj and my partners is good.
do you think we are stupid trying for the natwest and should we be using a broker who could guide us through this better.
cheers
i am looking to buy a new build £201000 we are getting the 20% deposit of 40200 and have a deposit of max 15000.. we have been talking to natwest and got an appointment on friday - both our salaries of combined £46000 go into the account. we have a dfs loan of 4000 and credit cards 1 at 1900 and another at 2800.
i have a satisfied ccj from 2009 satisfied in full 2011, the affordability is not a problem at all.
i have only 2 payslips though from current role but natwest have all my details as i have banked with them for 5 years no overdraft or any issues like this..
my credit score is still in very good regardless of this ccj and my partners is good.
do you think we are stupid trying for the natwest and should we be using a broker who could guide us through this better.
cheers
0
Comments
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anxiousann wrote: »do you think we are stupid trying for the natwest
Depends on your credit fileanxiousann wrote: »should we be using a broker who could guide us through this better.
YesI 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 -
credit file is very good on one and good on another but still have the ccj0
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Which month was the CCJ registered?
It is about to drop off.I 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 -
Do you hope to get any builder cash incentives, such as stamp duty paid, or legal fee contribution?
Do you want to meet a 28 day exchange of contracts target?
If you do, I would stay away from NatWest. Incentives aren't accepted and will simply be deducted from the valuation and they are so slow at the moment you may get some resistance from the site.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 -
no incentives - need to have it all in place for 10th july... wanted nationwide but site is full of nationwide customers..
ccj nov 2009 satisfied july 20110 -
Nationwide would be a good optionI 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.0
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