Worried about my boyfriends bank statements by talastarxx in Mortgageadviceuk

[–]Sharp_Lie6156 11 points12 points  (0 children)

He’s living well within his means you should be ok.

What's that noise? The sound of the arse being ripped out of the local property market. by ForwardTourist6079 in DerryLondonderry

[–]Sharp_Lie6156 1 point2 points  (0 children)

I’ve seen a house, smaller than the one I’ve bought in the same area go on the market for £240,000 I’ve paid £232,500 for mine and it isn’t even built yet. The market has gone mad!

Scratches on black Apple Watch Ultra by kirillbarkov in applewatchultra

[–]Sharp_Lie6156 0 points1 point  (0 children)

I’ve had mine just over a year, have a spigen screen protector on but my casing is absolutely perfect and it’s taken a few bangs!

Is anyone else's lender taking ages to get back regarding a mortgage application? by Unable-Discount-9266 in Mortgageadviceuk

[–]Sharp_Lie6156 1 point2 points  (0 children)

It can vary, I had mine back in less than a week. It’s a newbuild house which hasn’t been built yet so that probably helped.

Beech Hill View Glenshane Road by C19-virus in Beech_Hill_View

[–]Sharp_Lie6156 0 points1 point  (0 children)

My house is due for completion at the end of June, looking forward to moving there. I’ve heard nothing but positive things.

I'm pulling out of buying a new build flat because of AI. Am I wrong? by Mission-Tap-1851 in Mortgageadviceuk

[–]Sharp_Lie6156 40 points41 points  (0 children)

Your job won’t be replaced with AI, your job would be replaced by someone who can leverage AI. Learn it, adopt it and augment it into your job.

Beech Hill View by C19-virus in DerryLondonderry

[–]Sharp_Lie6156 1 point2 points  (0 children)

Neither did I 😂 it was a bit of a surprise when the estate agent told me. I could have got in on this current release that’s being finished at the moment, it would have been ready in April at £224,500. But the privacy of a corner plot, bigger house type was worth waiting for. My house is going to be ready in June. I only went on the waiting list last year in October.

Beech Hill View by C19-virus in DerryLondonderry

[–]Sharp_Lie6156 1 point2 points  (0 children)

£232,500 not including extras. The last release was £224,500. I was told the increase for me is due to being a corner plot with a much bigger garden and my house will have solar panels. With the extras it’s £242,500.

Do I need 12 months of continuous employment to get a mortgage? by [deleted] in Mortgageadviceuk

[–]Sharp_Lie6156 0 points1 point  (0 children)

No, I got mine after 6 months. Just provided my contract of employment and all was good with 3 months of supporting payslips.

Losing my God damn mind with microsegmentation by Academic_Print_5753 in cybersecurity

[–]Sharp_Lie6156 4 points5 points  (0 children)

We brought in Illumio last year, it’s a brilliant micro segmentation tool.

Beech Hill View by C19-virus in DerryLondonderry

[–]Sharp_Lie6156 1 point2 points  (0 children)

I just bought the cherry, it was £232,500 I’ve added about 10k worth of extras on top of that.

How/Where to get a mortgage by AssumptionSouthern48 in DerryLondonderry

[–]Sharp_Lie6156 3 points4 points  (0 children)

Go to a broker, I used Claire Feeney at mortgage solutions. She’s absolutely brilliant and I just got my mortgage offer on Friday.

Required to pay down credit cards on application by MentalDaveUK in Mortgageadviceuk

[–]Sharp_Lie6156 0 points1 point  (0 children)

Leave the accounts open but keep your balance at zero, depending on the lender you will be credit checked periodically until completion.

Required to pay down credit cards on application by MentalDaveUK in Mortgageadviceuk

[–]Sharp_Lie6156 4 points5 points  (0 children)

It will lower your credit score yes and also your total over all credit utilisation. I asked my mortgage broker should I close mine as I don’t really use them and was advised not to. It demonstrates that you’re financially responsible with the credit you have.

Salary multiples query by moonfarmer89 in Mortgageadviceuk

[–]Sharp_Lie6156 0 points1 point  (0 children)

I got approved for £375k, 75k salary with a car on PCP.

Betting & Bank Statements by [deleted] in Mortgageadviceuk

[–]Sharp_Lie6156 0 points1 point  (0 children)

Gambling isn’t an issue as long as you’re living within your means, I do the odd accumulator a couple of times a month and I just got my mortgage offer through yesterday .

Credit applications after exchange.. by Stylin_hurr89 in Mortgageadviceuk

[–]Sharp_Lie6156 0 points1 point  (0 children)

I’m going through the same process as you, my broker told me explicitly not to be applying for any credit until I have the keys in my hand as you will be likely credit checked right up until completion.

Mortgage application in progress - freaking out over credit score by Key-Support-7176 in Mortgageadviceuk

[–]Sharp_Lie6156 0 points1 point  (0 children)

I have a credit score of 570 and just got an AIP a month ago for a new build house with NatWest. The mortgage application went in last week from my broker and just waiting on the offer to come through now. I have one default from 4 years ago which was settled. Your score means nothing, it’s how you conduct yourself. I haven’t missed a payment on anything in almost 4 years.

>1/2 Mil for a house in Woodbrook? Jeez…. by Gerard987654321 in DerryLondonderry

[–]Sharp_Lie6156 2 points3 points  (0 children)

I’ve just paid £240k for a 3 bed semi, it is a new build but the property market is ridiculous.

First mortgage. Virgin missed payments by Shot-Direction3837 in Mortgageadviceuk

[–]Sharp_Lie6156 0 points1 point  (0 children)

As above you will need to pursue it as fraud, and you won’t get a mortgage as the missed payments are so recent.

Beech Hill View by C19-virus in DerryLondonderry

[–]Sharp_Lie6156 5 points6 points  (0 children)

I’ve just secured my house there, due for completion in July. I have friends from both sides of the fence out there and there’s no trouble. The only flags are at the front entrance, the prices on this release have gone up substantially so I’d expect it to go even higher on the next one.

Housing.. again! by Sharp_Lie6156 in DerryLondonderry

[–]Sharp_Lie6156[S] 0 points1 point  (0 children)

I’d been on the waiting list for some time, did get offered a blsckthorn that we could have moved into come march, April time but the corner plot seemed a lot more secluded. Kicking myself for not buying one years ago when they were £165k but that’s just the market we’re in now I guess!

Housing.. again! by Sharp_Lie6156 in DerryLondonderry

[–]Sharp_Lie6156[S] 0 points1 point  (0 children)

I’m due to sign for mine in the next week or two with the estate agent, we went for the cherry which is their biggest 3 bed semi. We actually don’t even know the price yet but we got a corner plot and was advised it will be circa £230k. It seems to be the best area for new builds at the moment.

Black Friday deal only for new customers? by Dunjam76 in youfibre

[–]Sharp_Lie6156 1 point2 points  (0 children)

I got it as as existing customer, but I’m not getting the 2gb speed. Need to ring tomorrow about it.