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Mortgage issues

Lordlinley
Lordlinley Posts: 1 Newbie
in House buying, renting & selling
Hi folks I need your help I'm looking to buy a house with my wife our credit is good our joint money is great with have good deposit the problem is I work for an agency and won't be getting taken on until Jan 2018 therefore the two companies iv tried have turned me down the third slapped a huge interest rate on top I live in bristol uk the chances are I'm gonna need to wait until Jan but hoping there could be help out there once again thank you

Comments

  • sparky130a
    sparky130a Posts: 660 Forumite
    edited 5 May 2017 at 8:03AM
    Lordlinley wrote: »
    I'm looking to buy a house with my wife our credit is good our joint money is great with have good deposit

    Clearly not in the opinion of lenders....

    Get a decent broker.
  • Pixie5740
    Pixie5740 Posts: 14,515 Forumite
    10,000 Posts Eighth Anniversary Name Dropper Photogenic
    edited 5 May 2017 at 8:08AM
    Stop applying for mortgages and get yourself a decent independent mortgage broker. You already have two applications under your belt so you need to ensure that the next lender you apply to is one that you stand a good chance of getting a mortgage from.
  • csgohan4
    csgohan4 Posts: 10,600 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Photogenic
    carpet bombing blindly any bank will not help you or your credit file as multiple searches actually harm you.


    Sit down with a good broker and discuss your circumstances and see if you have any issues your credit history either, I presume you got copies of your credit files from all the main CRA?
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ Bowlhead99 RIP
This discussion has been closed.
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