I don't know why I am more focused on my credit score!!!! I feel like I want to get it so perfect!!!!
@alexkerrmortgage
2 жыл бұрын
Hi Dee! It’s always a good idea to focus on your credit score as that provides a platform to obtain a mortgage, so definitely keep focusing on that and pushing forwards!
@rickyip
2 жыл бұрын
Hi, another great video! Do you, or will you have any videos on differences between getting my FTB mortgage and selling my first property and trying to get a new mortgage for a house move? (New build) I’m about to sell my 25% shared ownership and hope to buy a new build house… just wondering if it’s easier the second time around? 😅
@alexkerrmortgage
2 жыл бұрын
I think I’ve got one video somewhere for home movers… However as you are already owner it will mean the Mortgage Lender will be more flexible with your application compared to a first time buyer. Good luck!
@shannon5251
2 жыл бұрын
Can I you do a video on Help to buy pros and cons please. I think this is the Only way I can buy a house 🏠 🙂
@alexkerrmortgage
Жыл бұрын
kzitem.info/news/bejne/kYh9yKx5jJt8hqw
@irbrulz
2 жыл бұрын
Hi Alex, great video, I would like to know how can I get in touch about a mortgage application?
@alexkerrmortgage
2 жыл бұрын
Thanks Andrei! Please just book an appointment using this link and choose myself (Alex Kerr) as the advisor! outlook.office365.com/owa/calendar/MortgageChainLtd@mortgagechain.co.uk/bookings/
@sashankthag12
2 жыл бұрын
Say 6 defaults have been satisfied in 2016, no ccjs, what are the chances of obtaining a mortgage?
@alexkerrmortgage
Жыл бұрын
After six years they will completely come off your file so you should be good !
@cameronbrown7426
2 жыл бұрын
Hi, thanks for the video! Is it true having a credit card will help with a mortgage. I've never had one or ever thought about getting one but someone told me getting a mortgage might be difficult because of this... Is this true or rumors.
@SabeeyH
2 жыл бұрын
I had the same confusion, asked my bank staff, they didn't seem bothered, said it is not compulsory, I think as long as you don't have a record of not paying rents or utilities on time, things like those, it may be alright. I wanted to get a credit card for the same reason, they didn't even encourage me.
@alexkerrmortgage
2 жыл бұрын
So applying for a credit card can have a negative packs on your credit score in the short run, however if you do not have a credit history then having a credit card and repaying the full balance each month after you use it can certainly help improve your credit score in the long run i.e. six months plus
@saifulahmed1556
2 жыл бұрын
Hi Alex, I have had an offer accepted on a property where they are still awaiting a probate, how long am I looking to wait?
@alexkerrmortgage
2 жыл бұрын
Probate is normally a long drawn out process… Hopefully it will be months and not years!
@Viki-uf2cc
2 жыл бұрын
Im self employed uber driver do i need accountant for morgagae or not bcz i can do my accounts my self.
@alexkerrmortgage
2 жыл бұрын
If you are a limited company you need an accountant, if you are Sole Trader you can submit it yourself!
@Viki-uf2cc
2 жыл бұрын
@@alexkerrmortgage thankyou so much for your response can u pls tell me what about tax do i have to pay strightaway or i can wait untill its due pls advice
@alexkerrmortgage
2 жыл бұрын
@@Viki-uf2cc Self assessment tax need to be paid by the 31st of January each year!
@Viki-uf2cc
2 жыл бұрын
@@alexkerrmortgage like i am gonna submit my this year accounts on 6th of april and then my 2 years accounts will bd ready so i can still apply for morgagae and pay tax at 31st ?
@alexkerrmortgage
2 жыл бұрын
@@Viki-uf2cc I think so, I’m not an accountant but I get the information from the government website… Let me see what I can dig out for you.
@UnyieldingSkeptic
2 жыл бұрын
Hi Alex, I'm British and currently in Australia with a deposit of 30 thousand pounds to (at some point) take out a mortgage on a house in England that is worth 100 grand. I'm currently employed in Australia and am looking to come home temporarily to get a mortgage on a house and then return to Australia to continue work at the same job! I have 3 months of pay slips proving how I acquired my deposit, But I'm I've only been working at this job for 4 months and due to my passed of frequent travelling I've not stayed in one job for longer than 4 months for the last 3 years. Is it even possible for me to get a mortgage? Thank you
@alexkerrmortgage
2 жыл бұрын
Hi Charlie, I hope you’re enjoying life in Australia, sounds fantastic! Unfortunately I would struggle finding some mortgage options given your current situation. You would really need to reside in the UK permanently.
@UnyieldingSkeptic
2 жыл бұрын
@@alexkerrmortgage ah I thought as much to be honest but not to worry! I'll just stay here fir another year and have a bigger deposit! Thanks very much
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