Where to go for an AIP/DIP?

hufc2002

Hi all

Where do I go to get a DIP/AIP?

Our house is getting valued in the next few weeks with a view of it going on the market depending on the valuation etc.

We will be looking at properties in the £165k region with a 10% deposit.


Wife is keen to get ours on the market to enable us to be in a better position for offering on properties as we are looking at a very particular area to buy and properties don't come up for sale often.


My worry is whether or not we will be approved for a mortgage therefore I would be keen to have a DIP/AIP in place sooner rather than later.


Where should I go for this and will these affect credit files or are these soft searches? We bank with Lloyds however their rates aren't great.

Financial Scenario is as follows:

Combined salary of £62.5k
Wife Car Loan - £178 per month (23 months remaining)
My Car PC - £389 per month (28 months remaining)
Wife CC Balance - £2.5k
My CC Balance - £0
Childcare Costs - circa £680 per month (however we both receive maximum amount of childcare vouchers £243 each per month therefore £194 paid via cash). These costs will reduce dramatically with effect from Easter 2018 with the provision of 30 free hours.

Any advice please.

Thanks

kingstreet

HBR&S as it has more activity!

https://forums.moneysavingexpert.com/discussion/5618941

ap1985

Try speaking to a mortgage broker or you can do AIP's online and some banks only do soft credit checks.