Process of a mortgage

Becca_beccs1997

I am looking to buy a house with a mortgage and have £19,000 in savings. Preferably would like to buy a 3 bed house under £100,000 but know that not many come by in my area at this price and willing to pay more with a 10% deposit. However me and my partner have credit scores in the 100s (ClearScore) so may need wait a few years for this to improve. I am just looking to know of what exactly the mortgage process is an an estimate of additional fees, we also don’t have our own furniture so what can we do to increase the mortgage so we could have money to decorate and buy furniture in case we don’t have much savings left to do these things. I would also like to add we would like to pay some of our debt of with these savings.

MovingForwards

Becca_beccs1997 said:

I am looking to buy a house with a mortgage and have £19,000 in savings. Preferably would like to buy a 3 bed house under £100,000 but know that not many come by in my area at this price and willing to pay more with a 10% deposit. However me and my partner have credit scores in the 100s (ClearScore) so may need wait a few years for this to improve. I am just looking to know of what exactly the mortgage process is an an estimate of additional fees, we also don’t have our own furniture so what can we do to increase the mortgage so we could have money to decorate and buy furniture in case we don’t have much savings left to do these things. I would also like to add we would like to pay some of our debt of with these savings.

Best off posting on the house buying or mortgage section as this is for local bargains spotted in shops etc.

Also, ignore the credit score as it's not seen or used by lenders, it's the credit history they see and use when assessing applications.