Really confused buy it all! Independent help?

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  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    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
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    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: 35,242 Forumite
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    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
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    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: 28,876 Ambassador
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    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 ?
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  • beckysheffield
    beckysheffield Posts: 328 Forumite
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    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: 15,544 Forumite
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    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
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    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: 15,544 Forumite
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    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
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    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.
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