Bex
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Do NOT just go to your bank. You will only get one deal - if you were buying car insurance you wouldn't just go to one broker. You would look at several.
An independent mortgage advisor will do this for you - however, do check that the advisor isn't planning on adding extra fees for themselves onto the mortgage. Certain mortgage advice companies will do this as they figure you won't notice an extra £300 on a £100k mortgage, but why pay it if you don't need to? Certain advisors are happy to just take the fee paid to them by the mortgage lender.Check you use one of these and that they are independent.
Also when buying check you go in at a lower asking price - not too low or you'll offend the owners - but enough to do some bartering to save a few grand.
Good luck. There is nothing like the feeling of owning your own house. |
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star
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You could go to your bank or building society, or a mortgage advisor working in an estate agents. (These tend to be independant and so have access to more morgages on the market. Banks/building societs are limited to a few that they have to promote)
Good luck!! |
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Klaus L
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i start by going to my bank and see what they have to offer
or try a mortgage broker if you had credit refused or marry your b/f first and let him sort out the mortgage |
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waylandbill
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The first place to start is at a bank. They will not only tell you if you can get a loan, but what is going to fit in your budget. Then, you'll know what you're looking at when you decide to start looking.
It's best to go to more than one bank and ones that do nothing but mortgages are good, since they'll specialize in that.
Don't expect to be with that bank too long after you do get a mortgage though. It's pretty common for a bank to sell a mortgage to another bank. |
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katerina
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Find a mortgage broker, he'll do everything that needs to be done for you and inform you what's your best scenario! It's always better to work with a broker who works for a lender, not for a brokerage house, 'cause he can find you lower rates ( of course everything depends what's your income, credit score, etc ).
So my suggestion is find a guy that you can trust and he'll do the rest!
Good luck! |
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byedabye
 |
Make an appointment to go & see a morgage adviser. Some estate agents have independent morgage advisors working for them.
You will need proof of income, and ID, but go and see one and they will shop around for the best deal for you.
Best of luck |
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goldstarsm
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try a building society and then a bank and then online.and most estate agants have a mortgage adviser,too. |
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Owlwings
|
Start by asking your bank. Then compare with other building societies in your area.
The first thing you need to establish is how much you can borrow based on your salary/salaries. Then you know what price of house you are looking at and how much you will need for a deposit. |
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dtiger13
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ask the bank hsbc |
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Nutty Girl
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try online with some building societys or try the mortgage shop whichs shops for the best one. |
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peggy*moo
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For a start you can go in to any bank or building society branch (presuming they do mortgages, and most do) and ask to see an advisor - you won't be tied to taking the mortgage with them, shop around, see who will give you the deal that suits you best and DON'T allow anyone to pressure you in to purchasing any mortgage until you are ready.
You will most likely need to go furnished with details of both your salaries, info on any other loans you might have etc.
Buying your first home is SO exciting! Good luck! |
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rubytuesday.
 |
go to an independent mortgage adviser and they will take all of your information nd find a few companies who would be best for your situation. we went to connels but i think most real estate offices have them so go see. make sure they are independent though or they will just sell their product. good luck. |
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Tina T
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Start with your bank.
You could also try a mortgage broker, they will shop around for the best one for you, and they don't cost you, as the lender pays them. |
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galoc37
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Yes , you can buy a house with your boyfriend under both names (your boyfriend name and yours) as you were married with him. It is called Joint tenancy were you have the same rights as him. you need to specify it in the offer and in the tittle. First thing to do:
Go to a bank, ask for the requirements, ask for a pre-approval. Look for a real estate agent , ask for the joint tenant rights, (He or She) will recommend legal advice. |
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bear
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just start searching the net hun.....
put in mortage loans and im sure u will have a whole crap load of mortage companies come up..
than start from there.......1 at a time |
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