Комментарии:
Does “being on the voter roll” mean you have to be “open register”? Or can you opt out of it?
ОтветитьHi Alex! First of all thanks for all the information; very effective personally. I’m looking for a property as a first buyer, and I wanna ask does it help on getting good deal mortgage; as partner have a account on the same bank ? And does it affect if I switch bank before 5 months, and provide clear 3 month statements, specially for mortgage ?
ОтветитьHi Alex. Thank you for your helpful videos.
I have a question regarding my address history.
Basically I am a foreigner and I have a good income. I am employed. But because of my immigration application process took long time to get my work permission. I have the proof of address history which is water bill, GP letter, NHS registration letter, and email from my bank confirming of opening my bank account.
Do you think, is it enough for proof of address??
I didn’t have gas or electricity bill in my name from three years ago but just added my name for electricity bill and gas bill.
Please could someone help me here?❤❤
Thanks for doing this video, my gas and electricity are pay us you go, is the council tax bill alone will be accepted ? For prove of address Thanks again
ОтветитьThanks a lot for this video. I have a question cause Im in a bit of a weird situation. Im going to graduate next summer and my and mympartner wan to buy a house before I do, so we can go love together. Here the issues: Im an international student so my credit score js quite low due to not having the account for long, as well as not having a full time job but only a part time one to finance myself. Would you said that would be a big problem? I have payslips and everything, just not much earning cause I will start a proper full time job after uni, so following the whole mortgage-house buying period. Thank you if youll take time to consider this!!!
ОтветитьHi Alex. I'm planning to do the mortgage this year as joint applicant with my wife but all bills are in my name. She has only the credit card on her name. What do you suggest ? Thanks Carlos
ОтветитьThanks man😁
ОтветитьI was asked to provide a proof of income verification and Premier Credible came thru with biweekly paystub and bank statement which got me approved
ОтветитьIf you've saved up your deposit over a very long time how far back do they have to go to check your deposit please? I've saved up money over around 15 years. The deposit I'd want to make would be around 40k on a 250k property, I also have a help to buy as part of that money
ОтветитьThanks for sharing your knowledge with us.
ОтветитьAlex you are a blessing!! My partner and i are about to start the whole process of buying our first home and it's so overwhelming Alex. Thankfully our credit is excellent for both of us and we are now living "vanilla" for the next 3 months making sure any loose ends are cleaned up and finances are good while we get all our documents together. Thank you Alex for this video it's a huge help. I look forward to returning to your channel and letting you know that we have achieved our dream!! I've taken so much notes down from your videos. I can't thank you enough 🙏🏼
ОтветитьHi Alex,I’m doing TWO JOBS. One of them is part time.All my jobs I receives my payslips through my email inbox. Unfortunately,the part time job I have forgotten the password to open the payslips and print them. I have contacted my HR and all password given to cannot open the payslips to be printed. Are the mortgage lenders going to accept my bank statements without my part time payslips? Thanks,looking forward to hear from you.
ОтветитьHi,
I saw your videos first time. I am self employed. My company is limited and it has 42 months history. Actually i didnt pay my last year company tax and my personal income tax. Can this gonna be an issue for lenders?
Thanks
I’m ready to buy a house . I have the deposit , I’m employed. But my credit score it’s only 755 on equifax , 677 Experian . Is that good ,
ОтветитьHi Alex, thank you for all the tips & insights provided. Just one question regarding the proof of deposit.
. In the video, you are saying that if part of the deposit is coming overseas it is not seen as a reliable source for deposit purposes. What if my parents would like to help me with the deposit to buy a property in the UK. The money is coming from selling a property in Bulgaria and we have a legal document showing clearly that the money is coming from the sale. Are there any specific documents ( papers) that can be used to prove the source of the money from the sale of the property overseas which can be issued and be seen more favorably by the lenders? Thank you!
Hey Alex, thanks for info - very valuable. Quick question. i have an interest-free overdraft which I literally LIVE in, as I take full advantage of that bank's £1k and invest my own funds elsewhere. I can afford to pay it off fully if I need to but just wanted to ask if this reflects negatively to the lenders? do I need to show 3 months of clear statements with no overdraft even if i have emergency funds etc elsewhere?
ОтветитьPerson who don’t pay utilities he is parents paying the bill ?
ОтветитьGreat video extremely helpful, but for God’s sake please don’t clap 😭
ОтветитьGood day, I and my wife have a joint account and we credit it weekly from our individual salary accounts. Also we built up our savings from abroad and have been transferring it to the same joint account through foreign exchange. We intend to use that joint account as the source of deposit whenever we are going to apply for a mortgage loan. What issues do you foresee and how do you suggest we can resolve them?
ОтветитьWe've been renting a property for 18 years now and it's £1500 each month our rent. We're planning too buy a house. Can you please advise me what I am going to do i got a loan and a credit card amounting £10,000 ponds what I am going to do to be able to get a mortgage please
ОтветитьSettled status if you're foreign too.
ОтветитьHi Alex
One direct debit bounced, is that gonna affect the mortgage application?
Please how much must be my annual income before I can apply for a Mortgage.
ОтветитьHi, I can’t register on the voters roll as I’m not an UK nor EU citizen. Any advice on what’s acceptable to replace that? I can provide PoA for 3 years.
ОтветитьAmazing thanks 🤗
ОтветитьHi Alex. My partner and I are both self employed sole traders. Should we use an accountant or can we do our own accounts? Also, she is a foreigner so cannot join the electoral role. Is this a problem.... we should have 3 years address history as she is in the process of citizenship. Thanks in advance! Gemma.
ОтветитьThank you so much for the drilling I needed it
ОтветитьThank you very much for the informative video.
ОтветитьGood vibes only. Love some toxic positivity.
ОтветитьHi Alex.
Are you available for a phone call ?
I know you are extremely busy but I need a good professional !
Do you take new clients ?
Hi Alex, Thank you for doing these videos' they're extremely helpful :) My husband and I are in the process of buying our first home but we are having an issue with one of the things on the list. I guess it would fall under the 3 years of address' category. Our mortgage broker is telling us that most lenders won't lend to anyone who's been in the country less than 2 years. We moved back to the uk after spending 7 years in Canada 21 months ago. Normally we would just wait the extra few months but we already have a winning bid on a house we love. Do you have any suggestions on how to get around this so we can complete the mortgage?
ОтветитьI was very annoyed with the "do not spend on your credit card" rule before applying to my mortgage. I use credit cards because I get literally 30 days free credit on all my purchases since I pay the balances on time so I avoid spending any penny on interest. It's also very easy to manage your cash flow since you only pay your credit card once a month and helps put aside the right amount to invest an ISA or something else. That should be added as a plus, not a minus but lenders do look at you as an average individual based on your profile, not at your specific case.
ОтветитьExcellent stuff, thank you
ОтветитьEverything this liar is talking about i can prove 100% its all Bull Crap and he is misleading everyone, he is uneducated and incompetent in the subject matter... 100% fact is all i deal in...
ОтветитьGreat stuff
ОтветитьI want to apply for a morgtgage after 2.3 months .It is ok if want to register for vote? Or is better to wait. Thanks
ОтветитьWhat is the formula for afordability on mortgage? I've heard it is 4.5x your salary - is this true?
ОтветитьHey Alex, another great vid! Your voice is incredibly relaxing . Anyway, do mortgage lenders look at how much money you have left over at the end of the month? I am a primary teacher and pay £850 and £220 for council tax. This is easily paid with my wage, but typically I don’t have loads left over at the end of the month. Last three months probs had 170 left over in august, 430 in September and 180 in October. I’m just getting so paranoid over everything going wrong and getting rejected! Any soothing words for me …. Hahaha
ОтветитьStay away. Only for citizens.
ОтветитьWhat can be used as a utility bill?
ОтветитьGood advice. This is amazing alex ! keep posting
ОтветитьI have a question regarding deposit. For some years me and my wife have been saving some cash on side, we managed to save few tousends so far but it is all in cash. How does lenders treat savings like this ?
ОтветитьDoes lenders make their decision based on income from last three months, or do they look at the up to date earnings on these 3 months payslips? In other words, if I started working today, would they calculate the amount they are willing to lend me on the three month statement basis?
ОтветитьThanks Alex really useful stuff here.
ОтветитьGood video. No background music noise. Speak slowly & clearly you 👍
ОтветитьI love how calm you are it’s a breath of fresh air watching your videos x
ОтветитьHi Alex, I have three months worth of bank statements but as I went on holiday this month my recent statement doesn’t show me putting into savings although all the previous months do a have a considerable balance in there already. Will this impact my application?
Ответить