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StuartHopkin
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« Reply #15 on: November 03, 2010, 11:54:08 AM » |
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Yea I'm self employed now!
What about if I had 2 years of accounts and a 10% deposit?
They would ask you why your wasting their time |
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Girgy85
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« Reply #16 on: November 03, 2010, 12:23:15 PM » |
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Why would I be wasting their time? Its not like I wouldn't be able to afford payments on a flat/house worth >£100k!!
I've been with my bank 10 years and always had loans but never missed a single payment!! No loyalty towards their customers IMO!!
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Best poster Girgy IMO - Mantis
Girgy is my new hero! - Evilpie
Think Girgy has shown the best leopard instincts in this thread and would prob survive best in the wild. Eye of the tiger that fella - Mantis
Girgy is a m'fkn machine - Daveshoelace
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DaveShoelace
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« Reply #17 on: November 03, 2010, 12:36:37 PM » |
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Why would I be wasting their time? Its not like I wouldn't be able to afford payments on a flat/house worth >£100k!!
I've been with my bank 10 years and always had loans but never missed a single payment!! No loyalty towards their customers IMO!!
Seriously mate you are better off waiting, renting and saving. I have more than a 10% deposit and have been self employed for 4 years and I am doing just that after many meetings with mortgage advisors. Some people might offer you some form of mortgage but it will be one of the most depressing and financially crippling things you will ever see. Oh and its nothing to do with loyalty to customers, purely a reflection of the current market. |
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StuartHopkin
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« Reply #18 on: November 03, 2010, 12:37:13 PM » |
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Why would I be wasting their time? Its not like I wouldn't be able to afford payments on a flat/house worth >£100k!!
I've been with my bank 10 years and always had loans but never missed a single payment!! No loyalty towards their customers IMO!!
Lol How long you have been with your bank has nothing to do with it. Your opinion that you can afford payments has nothing to do with it. As self employed the bank see you as a top risk customer. They dont have to lend you money, you dont have a right to be able to borrow it. That attitude is how we got here. Now finally with a bit of sense they require a hefty deposit to cover themselves before they get the chequebook out. Rightly or wrongly, whatever your opinion or mine is, wont change the fact that you will probably need a 30% deposit if you want a house within the next 10 years. |
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TheChipPrince
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« Reply #19 on: November 03, 2010, 12:43:31 PM » |
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Why would I be wasting their time? Its not like I wouldn't be able to afford payments on a flat/house worth >£100k!!
I've been with my bank 10 years and always had loans but never missed a single payment!! No loyalty towards their customers IMO!!
Seriously mate you are better off waiting, renting and saving. I have more than a 10% deposit and have been self employed for 4 years and I am doing just that after many meetings with mortgage advisors. Some people might offer you some form of mortgage but it will be one of the most depressing and financially crippling things you will ever see. Oh and its nothing to do with loyalty to customers, purely a reflection of the current market. Whats your reasoning for this Barry? |
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The harder the conflict, the more glorious the triumph.
RIP- TheChipPrince - $17,165
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Girgy85
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« Reply #20 on: November 03, 2010, 12:46:39 PM » |
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But I'm an honest guy stu! I'd never miss a payment to the bank!
In all seriousness tho il prob go with those council rent to buy jobbies!!
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Best poster Girgy IMO - Mantis
Girgy is my new hero! - Evilpie
Think Girgy has shown the best leopard instincts in this thread and would prob survive best in the wild. Eye of the tiger that fella - Mantis
Girgy is a m'fkn machine - Daveshoelace
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StuartHopkin
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« Reply #21 on: November 03, 2010, 12:50:37 PM » |
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But I'm an honest guy stu! I'd never miss a payment to the bank!
In all seriousness tho il prob go with those council rent to buy jobbies!!
Dont you have to have lived there for 5 years or something to get a bargain deal? Arent they being partly scrapped as part of the emergency budget? ^^^ Actual questions Girdy, as I dont know much about them. |
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littlemissC
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« Reply #22 on: November 03, 2010, 01:18:46 PM » |
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But I'm an honest guy stu! I'd never miss a payment to the bank!
In all seriousness tho il prob go with those council rent to buy jobbies!!
Dont you have to have lived there for 5 years or something to get a bargain deal? Arent they being partly scrapped as part of the emergency budget? ^^^ Actual questions Girdy, as I dont know much about them. they rule i bought my house off the council 6 years ago for 30k and its worth 70+ now..you have to have been a council tenant for 5 years to qualify for right to buy but i did hear it was stopping. i went to try and get a mortgage for a bigger/better house a few months ago and even with all the equity in my house and no debts i couldnt get a motrgage..my mortgage adviser said its only going to get worse |
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« Last Edit: November 03, 2010, 01:22:00 PM by littlemissC »
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Girgy85
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« Reply #23 on: November 03, 2010, 01:54:43 PM » |
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There's government schemes ATM Matt where u can rent half of the house and buy the rest. I havnt really looked into it properly but maybe that might be my best option!
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Best poster Girgy IMO - Mantis
Girgy is my new hero! - Evilpie
Think Girgy has shown the best leopard instincts in this thread and would prob survive best in the wild. Eye of the tiger that fella - Mantis
Girgy is a m'fkn machine - Daveshoelace
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StuartHopkin
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« Reply #24 on: November 03, 2010, 01:57:48 PM » |
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There's government schemes ATM Matt where u can rent half of the house and buy the rest. I havnt really looked into it properly but maybe that might be my best option!
Someone else had a thread on here about them didnt they? I'm Stuart by the way. |
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Girgy85
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« Reply #25 on: November 03, 2010, 02:13:32 PM » |
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There's government schemes ATM Matt where u can rent half of the house and buy the rest. I havnt really looked into it properly but maybe that might be my best option!
Someone else had a thread on here about them didnt they? I'm Stuart by the way. Sigh was posting on my iphone ans sure i saw it was Matt who had posted. Sorry Stuart x |
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Best poster Girgy IMO - Mantis
Girgy is my new hero! - Evilpie
Think Girgy has shown the best leopard instincts in this thread and would prob survive best in the wild. Eye of the tiger that fella - Mantis
Girgy is a m'fkn machine - Daveshoelace
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StuartHopkin
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« Reply #26 on: November 03, 2010, 02:16:20 PM » |
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There's government schemes ATM Matt where u can rent half of the house and buy the rest. I havnt really looked into it properly but maybe that might be my best option!
Someone else had a thread on here about them didnt they? I'm Stuart by the way. Sigh was posting on my iphone ans sure i saw it was Matt who had posted. Sorry Stuart x No worries Girdy, I can see how my avatar would confuse you xx |
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gatso
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« Reply #27 on: November 03, 2010, 02:19:24 PM » |
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Sigh was posting on my iphone ans sure i saw it was Matt who had posted. Sorry Stuart x
easy mistake. stu's avatar is matt in a hat |
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If you get to the yeasty clunge you've gone too far
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action man
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« Reply #28 on: November 03, 2010, 02:19:41 PM » |
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what are you self employed as girgy
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action man
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« Reply #29 on: November 03, 2010, 02:20:45 PM » |
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and as far as OP goes, hope you get through it ok martin, i hear flushy needs a flat mate. Catch ya soon
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