Fresh Diary for 2024!

BlueJ94

thank you! 

In the text box there's a little photo icon, click that and it allows you to post an image

_Dolly_Rocker_

Fab - thanks. 

Bagpuss741

Hope you're feeling better @BlueJ94

BlueJ94

Good Morning all,

Still here, got a mortgage advisor coming to the house tomorrow but i'm going to be at work so hopefully all goes well!

EssexHebridean

found you - I thought you'd gone quiet! 

Great YS'd haul - and I too wouldn't have been able to resist the cake! 

BlueJ94

We've been accepted for a mortgage in principle so thats a good start! 

BlueJ94

Morning all, 

We applied for a Mortgage with Kensington Mortgages on 7th and things have gone super fast, as follows;

07/03/2024 - DIP given, all bank statements payslips etc sent 
08/03/2024 - Needed evidence of stuff on OH statements 
12/03/2024 - Surveyor rang to do valuation on house
18/03/2024 - Surveyor coming to home, originally asked to come 14th but they only offer a 6 hour time slot to when they would turn up which isn't ideal.

Fingers crossed!
 

enthusiasticsaver

Good luck with the mortgage. 

Was the mortgage advisor a whole of market one or are they tied to just one company?  Why Kensington Mortgages and  what sort of interest rate are they offering? 

BlueJ94

enthusiasticsaver said:

Good luck with the mortgage. 

Was the mortgage advisor a whole of market one or are they tied to just one company?  Why Kensington Mortgages and  what sort of interest rate are they offering? 

Thanks! they tried high street lenders but got refused straight away, Kensington are a step below high street. I'm sure he said 6% or close to, which our mortgage works out at 63k so whilst he told us the interest rate isn't great it's fixed for two years and then we will try and get a better rate. The Mortgage guy is tied to one company I believe. 

enthusiasticsaver

BlueJ94 said:

enthusiasticsaver said:

Good luck with the mortgage. 

Was the mortgage advisor a whole of market one or are they tied to just one company?  Why Kensington Mortgages and  what sort of interest rate are they offering? 

Thanks! they tried high street lenders but got refused straight away, Kensington are a step below high street. I'm sure he said 6% or close to, which our mortgage works out at 63k so whilst he told us the interest rate isn't great it's fixed for two years and then we will try and get a better rate. The Mortgage guy is tied to one company I believe. 

Well 6% is not awful and £63k is a fairly low mortgage. Are you restricted because of your credit file, low deposit or erratic income? There are brokers who can access whole of market.