Originally Posted by squarepants

You know this how? Listen....once again the links and advice there is for people that want to know how to go about things here. If you think am MR average fine, you seem to know my financial situation for some reason

Even if people have money with them when they come over, the last thing you want to do, is jump right into the housing market, especially if you haven't got a job lined up.

Once again....spend time read the forum and the thread before you open your mouth. Am drawing the mods attention to your silly posts, because its people like you that start flaming, and when it gets to you, you start trying to make people feel sorry for you

Originally Posted by Interested

I got a mortgage, no problem, without a credit history! I didn't put a huge amount down either.

However, I was refused for "The Bay" credit card because of no credit history, LOL.

Originally Posted by Interested

I got a mortgage, no problem, without a credit history! I didn't put a huge amount down either.

However, I was refused for "The Bay" credit card because of no credit history, LOL.

Originally Posted by squarepants

Which brings us back to the original thread title "establishing a credit history", that is what it says innit? You might not have put a huge amount down, but if you haven't got a job as a PR, you won't qualify for the 0% or minimum down payment, as you have no job to pay your loan.

I think most people will give you a mortgage with some down payment, but as soon as you fail to pay, you can expect a REPOSSESSION, just like a car really !


oh....and store cards, they aren't cheap, they start at 25% apr

Originally Posted by Friar.Tuck

If you have no job lined up then a mortgage is impossible

Originally Posted by Glaswegian

Not true - we got our mortgage without either of us having employment! Once you reach a 35% deposit and still have cash left then the bank is less fussy! Our bank assumed one of us would be working by the time our cash ran out!

Originally Posted by Glaswegian

Not true - we got our mortgage without either of us having employment! Once you reach a 35% deposit and still have cash left then the bank is less fussy! Our bank assumed one of us would be working by the time our cash ran out!

Originally Posted by squarepants

I guess he doesn't know everything after all, seems to know what everyone wants, and their financial situation, must have left you out in his/her research

Originally Posted by Friar.Tuck

So, unlike you who only wants to abuse and ridicule any poster with a position that does not exactly match your own.

What that is known as is narrow mindedness.

I am delighted, although very surprised that Glaswegian got his mortgage without employment, and having read elsewhere of his difficulties in obtaining employment, you would have to assume that if he had a mortgage, did not work, still made payments and was not repossesed, then he must have had a good bank balance after paying his deposit.

I just read the threads and assemble a reasoned argument. I do not just leap in with namecalling, dodgy factoids and maybes.

Originally Posted by squarepants

You sure are loosing the plot, and to accuse me of ridiculing posters with positions that don't match mine, is just absurd For someone with 36 post to their name, you sure know diddly squat about nothing.

That is your problem, you assume a lot, and end up talking from your rear. Why don't you take your arguments elsewhere, because am not intereted in what you have to offer from NS there

You seem to be hungry for some flaming, but I'll be sending your posts to the mods for them to take the neccessary actions.

Originally Posted by Friar.Tuck

Yes Mickj, please take me to the moderator!
You tried it before and it had no effect then, and I am sure the same will follow.

You are transparent, and cannot help but fall back into the same posting routine as before.

We all know who you are, and it is time for you to go again.

Bye bye little boy.

Originally Posted by squarepants