First Mortgage, clueless! Please advise

Mkaan

Hello all!
Been a lurker and member previously( forgotten passwords:D) !But really really need your advice and suggestions in terms of where to start looking for motgage, Credit file ( Dos n Don'ts). Dont want to ruin credit file even before process begins and much more!

So: 70K deposit, how much can i borrow on a very modest ( or low should I say )15K salary??
Bank 1 - has deposit in it
-Looking at first CC with them ( thsnks to all help in
CC thread)
Bank 2 - have a few thousand in this
-Looking to get fixed term deposit acc. For 12 or
18 months profit rate 1.85%/1.95% respectively
( For emergency fund- commiting around 3-4 K)
Building Society - want to transfer some amount to the
prospective Fixed term deposit)
Santander shares - value upto £500 ( want to sell)

Have never checked credit rating!Where to start without affecting it?

Will the movement of money, selling shares, fixed term deposit acc ( to be done in next few days) affect credit rating? Should i or should i not take these steps?

As for pprwork:
-Phone and broadband bill to be transferred into my name tommorow
-Have no written correspondence for tv licence/ mobile bills- do it via DD. How can I provide evidence for mortgage as no paper bank statemnt?
-6months pay slips ready!
Any thing else I need in prep?
Have i overlooked important aspects, seem inapropriate with handling acvounts etc? Anything at all you can suggest to a FTB will be recieved with appreciation.

Many thanks

Mkaan

Hi guys
Was wanting to visit my banks today- if anyone could please spare some time on advice regarding above. Would really appreciate it

jonnygee2

Don't go to banks, just use a mortgage broker.

Start with someone like Trussle.com's affordability calculator https://apply.trussle.com/affordability-calculator.

How much you can borrow depends on a lot of factors, but roughly the max will be four times income, so about 60k for you I'd think.

Have never checked credit rating!Where to start without affecting it?

Moneysavingexpert's 'credit club' is as good a place to start as any. https://www.moneysavingexpert.com/creditclub . Joining will not affect your score.

Mkaan

Oh sorry jonnygee2- was supposed to visit banks for transferring money/ opening fixed rate account and CC today.

And thank you for the direct links, i will certainly use them.