We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Really confused buy it all! Independent help?

2»

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,383 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You may get declined, but if you do, you're a long way short of being ready for a mortgage.

    Try an eligibility checker to see where best to apply.
  • beckysheffield
    beckysheffield Posts: 328 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Deleted_User wrote: »
    You may get declined, but if you do, you're a long way short of being ready for a mortgage.

    Try an eligibility checker to see where best to apply.

    Ah right thanks. I seem to have a few options for credit cards, but should I apply even though they are saying I’m eligible on the USwitch website? I don’t want to apply and that be a mistake....

    Why am I a long way of a mortgage?
  • [Deleted User]
    [Deleted User] Posts: 35,383 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Because credit cards are a lot easier to get than a mortgage.

    Why are you suspicious of the USwitch eligibility checker?

    If you get declined, it's a single search on your credit files.
  • beckysheffield
    beckysheffield Posts: 328 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Deleted_User wrote: »
    Because credit cards are a lot easier to get than a mortgage.

    Why are you suspicious of the USwitch eligibility checker?

    If you get declined, it's a single search on your credit files.

    Because I don’t understand it all and don’t want to mess up my rating. I’m just clueless and need someone to explain all my options, including if it’s better to not live with a landlord etc.
  • sourcrates
    sourcrates Posts: 32,405 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    beckysheffield wrote: »
    Because I don’t understand it all and don’t want to mess up my rating. I’m just clueless and need someone to explain all my options, including if it’s better to not live with a landlord etc.

    On 9th January you posted about seeing a mortgage broker, how did that go ?
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • beckysheffield
    beckysheffield Posts: 328 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    sourcrates wrote: »
    On 9th January you posted about seeing a mortgage broker, how did that go ?

    Made it all sound very easy.
    Told me to come back when I had one pay slip and mortgage with Satander can be sorted.
  • Caz3121
    Caz3121 Posts: 15,906 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    beckysheffield wrote: »
    Made it all sound very easy.
    Told me to come back when I had one pay slip and mortgage with Satander can be sorted.
    are you now working in the UK? Is this a property to live in or to rent out? (as in a previous post)
  • beckysheffield
    beckysheffield Posts: 328 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Caz3121 wrote: »
    are you now working in the UK? Is this a property to live in or to rent out? (as in a previous post)

    Live in.
    Self employed atm and looking for a permanent job.

    (Trying to work out how to read previous posts.....)
  • Caz3121
    Caz3121 Posts: 15,906 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    beckysheffield wrote: »
    Live in.
    Self employed atm and looking for a permanent job.

    when are you looking to buy? you would need 2-3 years self employed accounts for a mortgage or do you plan to wait until you are in a permanent job?
  • beckysheffield
    beckysheffield Posts: 328 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Caz3121 wrote: »
    when are you looking to buy? you would need 2-3 years self employed accounts for a mortgage or do you plan to wait until you are in a permanent job?

    Mortgage advisor said I needed one pay slip and a perm job. I have a hefty deposit.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.6K Banking & Borrowing
  • 254.2K Reduce Debt & Boost Income
  • 455.1K Spending & Discounts
  • 246.7K Work, Benefits & Business
  • 603K Mortgages, Homes & Bills
  • 178.1K Life & Family
  • 260.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture