Has anyone Got a uk mortgage lately
#1
Just Joined
Thread Starter
Joined: Jan 2011
Location: Melbourne
Posts: 23
Has anyone Got a uk mortgage lately
I want to move home, a lot, we have our house here and would sell. We should do pretty well and have a hefty deposit, 65%. But I have read about how the Banks (boo, hisss) just aren't lending.
Has anyone returned and successfully got a mortgage lately, if so how long after getting home and were they in full employment or self employed.
I have tried to contact expatriate-mortgages.co.uk, but they haven't replied to my mail and when I just tried to phone them no one picked up. Are they bust because they cant get anyone a mortgage?
I need to fully convince my wife and this would help.
Apologies if this is thread already, I did a search
Has anyone returned and successfully got a mortgage lately, if so how long after getting home and were they in full employment or self employed.
I have tried to contact expatriate-mortgages.co.uk, but they haven't replied to my mail and when I just tried to phone them no one picked up. Are they bust because they cant get anyone a mortgage?
I need to fully convince my wife and this would help.
Apologies if this is thread already, I did a search
#2
Re: Has anyone Got a uk mortgage lately
i moved back in nov 09 , right in the middle of the global melt down . My suggestion is definetly brokers and dont bother going direct to banks especilally the HSBC .
i was getting YES to a mortgage without a job with a hefty deposit ,so i cant see it being any different for you . I do have the number of a very good broker here on the south coast , i will PM you with it and it maybe good just to talk to him and just be honest , he will work with you .
i was getting YES to a mortgage without a job with a hefty deposit ,so i cant see it being any different for you . I do have the number of a very good broker here on the south coast , i will PM you with it and it maybe good just to talk to him and just be honest , he will work with you .
#3
Just Joined
Thread Starter
Joined: Jan 2011
Location: Melbourne
Posts: 23
Re: Has anyone Got a uk mortgage lately
Hi King Kong,
That sounds great, I would reallly like to talk to your broker.
It seems that the PM system is not active until I do 3 posts, this is my second.
Could you email me it please at [edit] contact details are in forum profile... email or PM[/edit] , that would be great, thanks.
That sounds great, I would reallly like to talk to your broker.
It seems that the PM system is not active until I do 3 posts, this is my second.
Could you email me it please at [edit] contact details are in forum profile... email or PM[/edit] , that would be great, thanks.
Last edited by iaink; Jan 21st 2011 at 5:57 pm. Reason: email addy removed by mod
#4
Re: Has anyone Got a uk mortgage lately
Hi King Kong,
That sounds great, I would reallly like to talk to your broker.
It seems that the PM system is not active until I do 3 posts, this is my second.
Could you email me it please at [email protected] , that would be great, thanks.
That sounds great, I would reallly like to talk to your broker.
It seems that the PM system is not active until I do 3 posts, this is my second.
Could you email me it please at [email protected] , that would be great, thanks.
Just post a "dummy" third post (respond to my post to say "I've deleted my email address") and you will be able to send PMs.
#5
Just Joined
Thread Starter
Joined: Jan 2011
Location: Melbourne
Posts: 23
Re: Has anyone Got a uk mortgage lately
Ah yes, that was thoughtless of me, your completely correct. Thanks for cleaning up my posts.
#6
BE Enthusiast
Joined: Sep 2005
Posts: 517
Re: Has anyone Got a uk mortgage lately
I want to move home, a lot, we have our house here and would sell. We should do pretty well and have a hefty deposit, 65%. But I have read about how the Banks (boo, hisss) just aren't lending.
Has anyone returned and successfully got a mortgage lately, if so how long after getting home and were they in full employment or self employed.
I have tried to contact expatriate-mortgages.co.uk, but they haven't replied to my mail and when I just tried to phone them no one picked up. Are they bust because they cant get anyone a mortgage?
I need to fully convince my wife and this would help.
Apologies if this is thread already, I did a search
Has anyone returned and successfully got a mortgage lately, if so how long after getting home and were they in full employment or self employed.
I have tried to contact expatriate-mortgages.co.uk, but they haven't replied to my mail and when I just tried to phone them no one picked up. Are they bust because they cant get anyone a mortgage?
I need to fully convince my wife and this would help.
Apologies if this is thread already, I did a search
Last edited by mbike; Jan 22nd 2011 at 7:38 pm. Reason: forgot to mention bank
#7
Account Closed
Joined: Jun 2006
Posts: 0
Re: Has anyone Got a uk mortgage lately
We arrived back into Uk in December and I will start work on 1st February.
Based upon a 50% deposit, we already have Agreement in Principle from HSBC, tracker at 1.79 above base, no fees, no early redemption charges.
Basically, the day I start work, they would be able to process the mortgage application (although for us it will not happen as we still haven't found the right house to buy)
Just as a note, I do not bank with HSBC, never have, so I can only suggest that the deals are out there if you have a substantial deposit. Life might be tougher if you only have a small deposit.
Peter
Based upon a 50% deposit, we already have Agreement in Principle from HSBC, tracker at 1.79 above base, no fees, no early redemption charges.
Basically, the day I start work, they would be able to process the mortgage application (although for us it will not happen as we still haven't found the right house to buy)
Just as a note, I do not bank with HSBC, never have, so I can only suggest that the deals are out there if you have a substantial deposit. Life might be tougher if you only have a small deposit.
Peter
#8
Just Joined
Thread Starter
Joined: Jan 2011
Location: Melbourne
Posts: 23
Re: Has anyone Got a uk mortgage lately
This is all good news to me. I was getting a bit worried as I had more of a doom and gloom outlook from a mortgage broker I contacted, saying it would take at least three and more like six months. I think the thing they are really looking at is full time employment.
#9
Re: Has anyone Got a uk mortgage lately
This is all good news to me. I was getting a bit worried as I had more of a doom and gloom outlook from a mortgage broker I contacted, saying it would take at least three and more like six months. I think the thing they are really looking at is full time employment.
#11
BE Forum Addict
Joined: May 2007
Location: England
Posts: 4,211
Re: Has anyone Got a uk mortgage lately
I want to move home, a lot, we have our house here and would sell. We should do pretty well and have a hefty deposit, 65%. But I have read about how the Banks (boo, hisss) just aren't lending.
Has anyone returned and successfully got a mortgage lately, if so how long after getting home and were they in full employment or self employed.
I have tried to contact expatriate-mortgages.co.uk, but they haven't replied to my mail and when I just tried to phone them no one picked up. Are they bust because they cant get anyone a mortgage?
I need to fully convince my wife and this would help.
Apologies if this is thread already, I did a search
Has anyone returned and successfully got a mortgage lately, if so how long after getting home and were they in full employment or self employed.
I have tried to contact expatriate-mortgages.co.uk, but they haven't replied to my mail and when I just tried to phone them no one picked up. Are they bust because they cant get anyone a mortgage?
I need to fully convince my wife and this would help.
Apologies if this is thread already, I did a search
#12
Forum Regular
Joined: Mar 2009
Location: Frenchs Forest, Sydney
Posts: 218
Re: Has anyone Got a uk mortgage lately
What would the SMALLEST DEPOSIT be that you could get away with these days? We selling our 2 bed flat in London soon, and the buyer would prob be a first time buyer. Just wondering how they manage these days and how many of them get approved. The experts always said its the first timers who drive the market, is that still the case? We in Sydney since 08, so a bit out of loop.
#13
Re: Has anyone Got a uk mortgage lately
I want to move home, a lot, we have our house here and would sell. We should do pretty well and have a hefty deposit, 65%. But I have read about how the Banks (boo, hisss) just aren't lending.
Has anyone returned and successfully got a mortgage lately, if so how long after getting home and were they in full employment or self employed.
I have tried to contact expatriate-mortgages.co.uk, but they haven't replied to my mail and when I just tried to phone them no one picked up. Are they bust because they cant get anyone a mortgage?
I need to fully convince my wife and this would help.
Apologies if this is thread already, I did a search
Has anyone returned and successfully got a mortgage lately, if so how long after getting home and were they in full employment or self employed.
I have tried to contact expatriate-mortgages.co.uk, but they haven't replied to my mail and when I just tried to phone them no one picked up. Are they bust because they cant get anyone a mortgage?
I need to fully convince my wife and this would help.
Apologies if this is thread already, I did a search