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smirnoff | Im 27 and would like to buy a house,how much money would a bank lend me at present? |
any info would be helpful
Additional Details
im on £22,000 at the mo |
 |
 
Cari
|
It depends on where you live for starters - you'd probably be able to borrow more in London/the South East since houses are more expensive.
Another thing to factor in is how much you have for a deposit. Right now most banks will only lend 90% of a house's value, although you might get 95%. If you do not have a deposit, then you won't be getting a mortgage in the current climate.
But also, I think you need to remember that it's not about how much they'll lend you but about how much you can afford to pay back. I have been offered a mortgage where the repayments would equal about 60% of my take-home pay - this is riduculous; there is no way I could live like that.
I would advise that you go to Halifax's site and use their mortgage calculator. Many banks and building societies have such calculators but Halifax is a good starting point as it is the easiest use and their deals are often amongst the best. |
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jones0220050001
 |
Actually It's Really based on your credit history not your age. |
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chrissy
|
It all depends on your credit and what your salary is. Go to the bank and have them check what your limit would be. You don't have to find a house to find this out first. |
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Woody Black
 |
up to about 4 times your salary. |
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buschchick
 |
your going to need one or two years of tax records, you will also need paystubs, your credit score will effect it, you will need to actually go into a bank to see how much they are willing to loan you...all i can say is make sure you get a fixed APR!!! also make sure your not applying for things like credit cards, cell phones, ect. because the more people you have checking your credit report the worse its going to look to the bank!! |
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Ciel
 |
It completely depends on your credit rating and what your credit report says, also having a hefty cash down payment doesn't hurt. You should expect to have atleast 10 percent cash for the down payment. People got away with a lot of crap the last few years, hence why we are having a mortgage meltdown in the U.S. So don't mess around, get the house cheap-there are many out there because no one can sell and prices have gone down so much. Don't screw yourself-set up a monthly mortgage that you can honestly handle. I've always been told that the amount shouldn't be more than 30percent of your monthly income. Get your interest rate fixed-meaning it stays the same. Don't bet on making more money later and have your interest rate go up-that's how many people got in trouble. Goodluck! |
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WelshLad
 |
Just make an appointment and ask for a quote, I did. |
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Ed Atun
|
. Apx $70,000 pounds. |
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Jase
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find a bank that has some money first |
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Liam O
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Banks are getting tight with their money. Hold back if you can.
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Steve D
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Age doesn' matter - it will depend on how much you earn, what your debt to income ratio is, how good is your credit. You provided none of that info, so no one can answer for you. |
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Marysue
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There’s no magic amount that everyone is entitled to borrow. It’s based on your own personal financial situation. Talk to a lender who a can look at your data and give you an answer. |
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rlezama7
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it depends on ur savings, the more u save the more money they will lend u. |
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