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Author Council Tax
Gg_mf
Member
Registered: 10th Oct 05
Location: Brighouse
User status: Offline
27th Jan 06 at 16:13   View User's Profile U2U Member Reply With Quote
Yes we both have pretty decent wages for our ages..and mine has gone up 4 grand in the past 3 months and possibly other 2 grand within 6months
recarouk
Member
Registered: 30th Sep 05
Location: West Yorkshire
User status: Offline
27th Jan 06 at 16:15   View User's Profile U2U Member Reply With Quote

if you know its going to go up then you can state that as a bonus which will also help you boost the amount you can borrow!

at your age tho (18 19) you will need about 5% deposit as most places will only give you 95% mortgage! so you need to save up about 5000 just to be safe (solicitors fees and all the other sh1te no-one tells you about)

if you have any finance that goes against you tho, car finance or outstanding credit cards etc etc
Gg_mf
Member
Registered: 10th Oct 05
Location: Brighouse
User status: Offline
27th Jan 06 at 16:17   View User's Profile U2U Member Reply With Quote
no i dont have a bad credit rating, never missed a payment etc. and i use credit often
recarouk
Member
Registered: 30th Sep 05
Location: West Yorkshire
User status: Offline
27th Jan 06 at 16:23   View User's Profile U2U Member Reply With Quote

its not bad credit they look at its any credit! say for example you earn
12000 a year but you have a car that costs 250 a month they times the 250 by 12 being £3000 and take that off your yearly earnings making them 9000 then times that plus your partners earnings by either 2.5 or 3 to make the total amount available for you to borrow!
mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
27th Jan 06 at 20:50   View User's Profile U2U Member Reply With Quote
banks etc are throwing 100% motgages as young ppl, you can even get 110 or 120% mortgages..Most places will give 1st time buyers at least 100%.
Cole
Member
Registered: 11th Nov 02
Location: eastbourne Drives:zafira sold now a qashqai
User status: Offline
27th Jan 06 at 20:55   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Tom
I'm gonna scam them, pretend i live on my own oh yeah I will be


i dont taht for 4 yrs but i wasnt on me own think its a stupid fucking tax anyway
vibrio
Banned
Registered: 28th Feb 01
Location: POAH
User status: Offline
27th Jan 06 at 23:11   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Gg_mf
i see thanx. Do u know were i could get an esitmation from on an apartment ive seen?

the estate agent should have that info FFS

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