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I am looking for UK Estate Agent Recommendations
T... |
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 Moving out! im 16? |
hi im 16 im not happy at home im desperate to move out eithier to a shared apartment or a flat. can anyone give me advice?
thanks
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Red Cat | Why can't I get a mortgage? |
Me and my partner earn good money and would be more able to pay our monthly repayments. We don't have enough deposit but we have enough to cover all solicitors costs etc and the stamp duty.
Basically we'd need a 100% mortgage , and the only bank offering that is the Abbey National. We made an application and they've declined. I can't get through on the phone to find out why!
I really don't know why they've rejected us. We're able to pay the payments comfortably. We have great credit histories, no CCJ's and have been private renting for 2.5yrs never missing a payment!
The only thing is i'm 19 and he's 20. We've been together 4years so there shouldn't be an issue regarding commitment to the mortgage. Any ideas what it could be? |
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Insomniac
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You are sounding like good prospects, but you lack something. Equity. You can't put a deposit down. I really feel for you, but the banks have been burned too many times with people who borrow and can't repay. Then the bank has to hurt everyone else it deals with a little, to make their lost money back. |
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Lord L
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yep.. its your age.. and no down payment. Statistically folks your age aren't real good on taking care of responsibilities. Other priorities seem to get in the way. So if you 100% finance the house.. you would have no issue walking away from it if trouble developed with your income. Not something the bank would like to see happen. A down payment means you have your own personal money in the house, and to walk away later would mean you are walking out on your money too. Its how banks think. |
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NotEckyBoy
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They're doing you a favour by NOT lending you money.
In a few years time you'll look back and think phew, what a lucky escape we had THERE......
There's more to life than having a huge mortgage hanging round your neck. It would have been like there was THREE people in your relationship- You, your partner and the mortgage. Count yourself lucky that no-one will lend you a huge sum of money. |
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Scooby Doo
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Because we are heading into a recession and the banks are being tight at the moment. |
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Eddy T
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With the present strict lending guidelines for 100% mortgage, banks will grant such mortgage on a case to case basis. They must have studied your case carefully. And I think they may want proof of your incomes from your employers and also important your marital status. |
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Jude
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It's not a great time for first time buyers at the moment. The good thing is you are both young so you have plenty of time to save up for a deposit. Carry on renting for a while and make sure you save. I would suggest a savings account that you put regular monthly money into. Do this for a year or two and you will still only be in your early twenties and in a far better position to buy - and the economy should have picked up by then too. There really is no need to hurry, myself and my husband didn't buy our first property until we were in our late twenties. |
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Emma-Lou
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i thinks its because you cant put down a deposit.Me and my hubby just moved house and got a mortgage,but i think the only reason we got it coz we had a lot of equity in the flat we sold(my hubby owned it before we got together),so we could put quite a big deposit down on the house. |
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leambi
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I think with the Abbey one applicant needs to be 21 or over, if not both applicants, most lenders are the same. In the meantime you should get a copy of your credit report from experian just to make sure there is nothing on there that may cause a problem when reapplying. Just bear in mind that the more credit searches you do, the more it will affect your credit rating. |
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La Blue Eyez
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I've just gotten pre-approved for my first home loan and I can tell you that there are several things they may be looking at.
1.) To get a 100% mortgage, right now, you have to have an EXELLENT credit score. You may think you both have great credit, but until you pull your credit reports and purchase your credit scores, you won't know for sure.
2.) It's very hard to get a loan right now. Banks are being stingy with who they loan to because of the state of our economy.
3.) One of the things the bank looked at when they were considering me was how long I had had credit. How old my accounts were. And how quickly/slow I paid them off. Surprisingly enough, it actually hurt my credit score by paying things off quickly. I have 10.5 years of credit history, but only 4.5 years of loans. I also have no credit cards because I pay everything by cash. The banks actually frowned on that. I happened to get lucky though and had a high enough score that they approved me anyways. Plus I have 10% to put down.
Hope that helps a little. |
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Love the Cold
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I had the same problem. Although I could afford the payment comfortably, they have all these calculations you don't know about that they include in their decision. I was young too when I was rejected. Plus right now there is a credit crunch, so it might not be a good time. |
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devil dogs
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Since the mortgage crisis in our country as you know has forced banks and lenders to tighten their criteria for borrowers. You need to keep going the way you are (congrats by the way) and wait a couple more years......like to 25. Save at least 15 percent of the you want to borrow. Times are tough. Put the money into a safe type of investment where it will accrue some interest while you are saving. THEN goto a lender and show them your stuff!
No lender will give you loan at 100 percent with no down.
You must kick something in to show them you are a good risk.
It is ALL about RISK on their part....Risk,,,,,one other thing if you are not married they will be more apt to deny you.
Married folks are better risk. |
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Me
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Your age will be the main thing and the current UK credit crisis. Also how long have you been working for because that will effect it. |
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Cathy M
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Do you owe any money to anything hire purchase or unsecured debts? Have you been employed with the company you both work for for over 6 months and is it a temp position? How stable is your jobs?
It is such a shame.. If all the above is that you have stable homes and don't owe anything then I would think it is tio do with the credit crunch.. 6 years ago when I was 19 they were throwing money at you even if you weren't asking for it and I myself had a mortgage at 19.. Thing is, I think with them throwing money at everyone 19 or 60 years old a couple of years ago a lot of people have become really bad in debt and with the interest rates going up people are struggling to make repayments and are either having their homes taken from them and having to face bankruptcy..
Personally what I would do is stick with the renting for the meantime, I Know it isn't great but it is a place of your own just now.. I would wait until the credit business has calmed down, who knows even if you did have a mortgage the interest rates could go sky high and you could be in financial trouble.. even if you had to wait until you were 25!! I thought that was ages away but here I am now lol! xx |
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Blazing Pen Avenger.
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Getting a 100% mortgage from Abbey National plc (based on what you say) shouldn't be a problem. Phone them on 08457 654321, and, tell them that you had applied for a mortgage and got rejected. You now wish to appeal. They will suggest that you go to any Branch, see a Customer Service Adviser and go through the appeal process. It is not all about Credit Scoring, it is also about, Behavioural Scoring. As well as, not only being able to repay, but, the ability to 'service' a mortgage. My own advice would be, that, mortgages are...... a 'nightmare.' |
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Zeeta
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Its the money market I'm afraid. Lenders are fighting each other on who not to lend to at the moment. It's all to do with the credit crunch and uncertaintity in the money markets.
Another factor could be your ages. Past history may show that a higher percentage of really young borrowers defaulted on payments compared to older borrowers.
My advice would be to carry on savings in accounts offerring the highest interest possible so you can put asubstantial deposit on a property later on.
Things will improve hopefully.
In a way its to your advantage. You are both young and property prices are falling. Once the market stabilises you will be in a better position. How long? Anyone's guess. |
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Probanker
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I am a Loan Officer for one of the largest mortgage brokers in the US and have access to over 350 lenders. I am licensed in 50 states and welcome the opportunity to help. |
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anirvan s
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We offer to cater to People looking to Refinance at amazingly agreeable rates. I n case you are looking for the best deal allow us to assist you.
Thanks & Regards
Mortgage Specialists |
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mighty i
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do u owe any money? do u have a good paying and a stable job? |
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Ferrets
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try Islamic financing
they don't use any intrest , since it is forbidden in islam
when you buy a house $150,000 thats what you gona pay but you pay it monthly its lease to own program
so they actually lend you the money to buy the house and you pay it back to them as the same equal amount, with monthly payment which in way you can afford it.
visit the site and learn more
http://lariba.com/ |
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