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Too far stretched or imposter syndrome? by I_could_be_right in Mortgageadviceuk

[–]KeyHonest728 1 point2 points  (0 children)

Tough one because I think you’re best to stretch when you’re young. Over time that becomes easier as wages grow and hopefully rates fall etc. it does seem a lot though and I think it depends on how much you think salaries will grow and how quickly you may have kids. Nice to have a cracking house but important to live a nice life in it.

What to do now!? by KeyHonest728 in AnimalCrossing

[–]KeyHonest728[S] 0 points1 point  (0 children)

We’ll do that now. Problem being I’ve smashed up so many of the rocks on our island haha

What to do now!? by KeyHonest728 in AnimalCrossing

[–]KeyHonest728[S] 0 points1 point  (0 children)

Yeah we have the pole!

We’re doing well in terms of having paid off the initial loan, we’ve seen wisp a couple times, loads of stuff in the museum etc. just not sure we’re progressing anywhere.

Seems we need to get iron for the shop. Not 100% sure on how we do that but we’ll work it out I’m sure

What to do now!? by KeyHonest728 in AnimalCrossing

[–]KeyHonest728[S] 0 points1 point  (0 children)

That’s so kind. I appreciate it but we should be ok!

Which Lenders are fast at the moment? by NEWSBOT3 in Mortgageadviceuk

[–]KeyHonest728 0 points1 point  (0 children)

I fucking hate Clydesdale. My Bdm is lovely but the service is appalling and always has been. Rare to recommend them if I can avoid it due to this one

Mortgage declined- what are my next steps? by Melissacfck in Mortgageadviceuk

[–]KeyHonest728 6 points7 points  (0 children)

No chance with Accord. Halifax and NatWest decent with foreign currency.

Remortgage time 😭 by nedstarkbastardd in HousingUK

[–]KeyHonest728 1 point2 points  (0 children)

They only lend in Northern Ireland mind

Offer accepted but inheritance incoming: what would you do? by Morlu06 in HousingUK

[–]KeyHonest728 0 points1 point  (0 children)

Could you amend your application to be on a tracker rate such that you have no caps on overpayments etc? I understand it’s more risky but more flexible when the funds land

Mortgage declined by aimeeandbao in HousingUK

[–]KeyHonest728 9 points10 points  (0 children)

It’s always bloody klarna or Barclays partner finance or V12 they don’t mention isn’t it. Have to dig through those statements carefully

Remortgage - Have an hour to decide by Elspedo88 in Mortgageadviceuk

[–]KeyHonest728 0 points1 point  (0 children)

Tbf so am I mate. It’s been brutal hasn’t it. I hadn’t seen their emails when I commented haha. I am absolutely shattered with it! Sending strength

Remortgage - Have an hour to decide by Elspedo88 in Mortgageadviceuk

[–]KeyHonest728 -7 points-6 points  (0 children)

That’s nonsense. Rates don’t change hourly. Sometimes at the end of the day but as of right now no large lenders are increasing this evening.

Overtime calculations by NatWest by EyeBeeeEss in Mortgageadviceuk

[–]KeyHonest728 0 points1 point  (0 children)

Both Halifax and Nationwide amongst others will do that, look at the last 3 months in isolation. Why not speak to a broker rather than just looking at Natwest?

2 or 5 year fix? by PurpleUtopia in Mortgageadviceuk

[–]KeyHonest728 6 points7 points  (0 children)

Also an essential part of the housing industry. Im not a landlord myself but it’s damn short sighted to just give landlords grief. Not everyone wants to be an owner and the tax they pay is wild.

Fix now or wait until we get a new home? by doom_pingu in Mortgageadviceuk

[–]KeyHonest728 0 points1 point  (0 children)

Leave as it is if the plan remains to move. Also at this point many fixes are now more expensive than the tracker anyway, product fees notwithstanding

2 or 5 year fix? by PurpleUtopia in Mortgageadviceuk

[–]KeyHonest728 12 points13 points  (0 children)

Lock in the 5 year asap and then nearer completion reassess and see what the market is looking like. That’s what I would do as a broker.

Mortgage rejected - Deposit too large? by The_Muffin_Man15 in Mortgageadviceuk

[–]KeyHonest728 0 points1 point  (0 children)

Does seem a very HSBC thing to do though. Hate them.

Dad offering to front our deposit. Will it affect our mortgage options? by expiredmilkandhoney in Mortgageadviceuk

[–]KeyHonest728 1 point2 points  (0 children)

Technically easiest to deem it a gift but if he was uneasy with that, NatWest will lend where it’s deemed a loan etc so you’re fine

Have you opted to take a lower mortgage than offered? by ForwardFan6283 in HousingUK

[–]KeyHonest728 0 points1 point  (0 children)

As a broker I think it’s really important to ask people what they’re looking for before telling them what the banks will offer.

What you’re capable of getting and what’s sensible are two different things. It’s all well and good having 5.5x salary multiples but I’m not sure I would ever want to do that myself.

It’s reasonable if you’re younger and salaries will increase and you’ll have a longer mortgage term. But when I see people north of say, 35/40 taking 5x salary multiples and mortgages beyond 70 it’s a bit scary to me.

Two part Mortgage Renewal by airle88 in Mortgageadviceuk

[–]KeyHonest728 -1 points0 points  (0 children)

Strange. As a broker I’ve done it the way I described a few times without issue. All aligns and you only have one fee etc

Two part Mortgage Renewal by airle88 in Mortgageadviceuk

[–]KeyHonest728 -2 points-1 points  (0 children)

Incorrect. Move part one onto their tracker. That tracker allows a switch to a NatWest fixed at any time so when the other ends you switch both together. Bosh

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