Getting a mortgage while renting

4 Posts
Hello,
So I currently live in London and I am renting a flat which the lease is up on in Feb 2018. I am originally from Northern Ireland and plan to move back there once my lease is up.
I have found my ideal home and can afford the deposit on it now, I have a job lined up but obviously wont start it until after my move.
I am wondering, would I be able to get a mortgage on the house now and pay it until I move or would it go against me that I would be paying rent at the same time.
Thanks
So I currently live in London and I am renting a flat which the lease is up on in Feb 2018. I am originally from Northern Ireland and plan to move back there once my lease is up.
I have found my ideal home and can afford the deposit on it now, I have a job lined up but obviously wont start it until after my move.
I am wondering, would I be able to get a mortgage on the house now and pay it until I move or would it go against me that I would be paying rent at the same time.
Thanks
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Also, most lenders have a requirement that you move into the mortgaged property within a certain amount of time. Within 28 days for example.
I would try and get in touch with the landlord and see if they'll let you leave early. No doubt they will charge for this, but seems like the best solution!!