5 ай бұрын
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@ZyshanIbrahim 22 сағат бұрын
loved your content btw are you looking for video editor?
@mbukdz7784 6 күн бұрын
Nice one mate
@ukmcmortgages 6 күн бұрын
🙌🏼🤙🏼
@michaeljones8802 6 күн бұрын
What lenders would give the 5 and 6x rate? My MA is saying 4.25x max
@ukmcmortgages 6 күн бұрын
Hi Michael, There’s a whole host of criteria to work through to determine if you’d be eligible i.e are you in professional role such as a Lawyer? Are you earning over £X per year? Are you willing to have a super long fixed mortgage? Are you a first time buyer? How big is your deposit? Your adviser should have carried out the financial resilience assessment for you which helps determine the most suitable lenders that are able to maximise your affordability 🙌🏼 If you’d like us to take a look and check then let me know 😁
@millwallfan06 22 күн бұрын
Hi is there any schemes to help limit the monthly cost. All these schemes are great initially. But then your broke at the end of the month
@ukmcmortgages 20 күн бұрын
Hey - if you call our team on 01925 573328 they'll be able to talk through your options and support in planning a monthly budget to help balance your bills!
@walsheh2222 23 күн бұрын
Fancy doing a video on your opinion on shared ownership, is it worth it or worth saving for longer for a standard mortgage? Loving the videos so far and hoping to buy towards the end of the year.
@ukmcmortgages 22 күн бұрын
Hey - We have a video planned on this already, we'll post it back on here for you once it's uploaded. If you want to book a free call and discuss shared ownership in the meantime or see how much you could borrow book your appointment here - outlook.office365.com/book/[email protected]/
@ukmcmortgages 20 күн бұрын
here is our shared ownership video as promised - kzfaq.info/get/bejne/Y82pi62ZvKfYeZ8.html
@walsheh2222 20 күн бұрын
@@ukmcmortgages thank you so much!
@msparkz770 Ай бұрын
So a single person with no commitments but earns 30k a year should not even consider buying a house?
@ukmcmortgages 29 күн бұрын
Hey - of course you can! if you take your annual income and roughly times it by 4.5 thats an estimate of your borrowing ceiling. Some lenders will offer more depending on their criteria and there are ways to boost your affordability! We can get you a free agreement in principle and work out your affordability if you give us a call on 01925 573328 😃
@TrevorAngel Ай бұрын
We meet all the criteria but we’re old - 69 - is that a no, no.
@ukmcmortgages 29 күн бұрын
Hey Trevor - aif you're able to give our team a call on 01925 573328, you can work with them to find a deal!
@oma7130 Ай бұрын
Hi, I would like to know. Very informative. I would like to get 100 mortage. Please advise
@ukmcmortgages 29 күн бұрын
Hey Oma - Different lenders have different criteria for this scheme however if you give our team a call on 01925 573328, and book a free appointment we can take your information and let you know if you're eligible!
@didosan1568 Ай бұрын
🎯 Key points for quick navigation: 00:28 *💳 Having a high credit score increases your appeal as a mortgage applicant.* 01:11 *💼 Reducing your debt can help increase the amount you can borrow for a mortgage.* 01:24 *💰 Saving for a larger deposit can reduce your loan to value ratio and increase mortgage affordability.* Made with HARPA AI
@hhhhhh99-99 2 ай бұрын
are those on skilled worker vise eligible for this mortgage??
@ukmcmortgages Ай бұрын
Hey - if you give our team a call on 01925 573328 we can explore you options with a free, no obligation call!
@JS-yt1bl 2 ай бұрын
Can I use this for American mortgages?
@ukmcmortgages 2 ай бұрын
Hey, our advice is for UK mortgages!
@oladitan2000 2 ай бұрын
I am living in a shared apartment and the bill and rent is paid by my neighbour in his name, will this affect me for the document required by lenders
@ukmcmortgages 2 ай бұрын
Hey, you're best to get in touch with a member of our team on 01925 573328
@mdnahidseo 3 ай бұрын
Do u need a professional KZfaq thumbnail designer and video SEO expert?
@madi2386 3 ай бұрын
Unreal quality videos! One thing I get stumped on is the typical timeline of the whole process. What do you think of the conveyancers that estate agents push?
@ukmcmortgages 3 ай бұрын
Hey Madi - We do have a video on the timeline or you can download our free guide which breaks it down step by step on paper for you! in terms of conveyancers, we would always say do your own research, ask around and read reviews!! Guide Link- ukmc.co.uk/about/advice-hub/
@ChrisCapturesYT 3 ай бұрын
Great advice 🙌🏻 actually really helped
@ukmcmortgages Ай бұрын
Glad it helped!
@samsid3339 3 ай бұрын
If I’m not mistaken isn’t 100% mortgages that caused the financial crash in 08 🧐
@davidshaw8927 3 ай бұрын
Hi there, excellent video, thanks. We're buying a house where Searches are going to take over 12 weeks. We do not anticipate any of the possible problems you identify here, and we're considering taking out indemnity insurance so we can complete earlier. What are your views on this. I understand it has become more common as local authorities can take anything up to 4 months to respond to Search request. Cheers!
@ukmcmortgages 3 ай бұрын
Hey David! It is hard to say as every property is different but this is something we would urge you to contact your legal adviser about as they can support you with advice around this!
@AstrocandyTV 4 ай бұрын
Get ready for The Great Panic Sale as all these peeps come off their 2 percent fixed rates in 2024.
@elthamholistic5257 4 ай бұрын
So how do I deal a situation where according to Land Registry my Deceased mothers property was Registry to a new owner on the 25th of March, and as of 11th April they haven't paid the purchase money to my mother's estate. Is that normal? How can a stranger obtain ownership of a property nearly a month and yet their bank hasn't (according to my Deceased mother's solicitor) released the funds? Something stinks to me?
@ukmcmortgages 3 ай бұрын
Hey - We would say contact the solicitor as they will be able to handle and deal with this type of enquiry!
@bla7091 4 ай бұрын
The legal costs seem a lot lower than what I was quoted last week. Came up 1800-1900 so far, so might have to keep looking!
@rehantayyab82 4 ай бұрын
Suppose i have 125k loan and 30 years mortgage , but i pay off everything at year 10 ( 20 years earlier) then only i need to pay extra at that point is early payment charge to finish this cycle or some other legal requirements as well ?
@israrhussain4417 4 ай бұрын
Hi there I am self employed I have heard that in uk all a person needs is £5000 for a deposit is this the same for self employed people also can you explain to me in full . For example if I want to purchase a property for £160000 being self employed would I need £5000 or would I need more thank you
@ukmcmortgages 4 ай бұрын
Hey there isn't a set amount for a deposit if you're self employed. To get started on an agreement in principle and working out your affordability we ask for the following documents: Two years of personal tax returns Two years business tax returns Profit and loss statement Balance sheets Business license Business insurance Proof of identity National insurance number All current debts Copy of current rent payments Any child benefit received proof 3 months' bank statements
@mrsm482 4 ай бұрын
Thank you very much. How do you negotiate a new home?
@ukmcmortgages 4 ай бұрын
Hey - When it comes to how to negotiate a new build house price, we would say that timing is key. Picking the right moment could vastly increase your chances of getting a deal: Off-plan. House builders often need to secure financing in order to enable borrowing to pay for building the rest of the properties. So if you’re asking how to negotiate a new build house price, there are often deals to be done off-plan. Last plot or two. If there are only a few properties left to sell, the house builder will be keen to get off site and move all resources to their next project. So if you’re asking how to negotiate a new build house price, you may be able to help them by taking that property off their hands at a bargain price. Beyond the actual price you could also negotiate on fixtures, fittings and white goods! You could also negotiate a higher quality finish with higher quality kitchen units and flooring for example. Ask for these early on in the process and try to get as much as possible included when you haggle - and then agreed in writing in your specification and contract
@mrsm482 4 ай бұрын
@@ukmcmortgages Wow! Thank you so much for taking the time to share this precious knowledge with us. This is truly appreciated and it humbles me. Many thanks.
@Rowafaedits194 5 ай бұрын
can i edit your KZfaq videos?
@allanledner 5 ай бұрын
"PromoSM"
@OfficialFoshiznik 5 ай бұрын
I’ve just applied for a mortgage and it’s so nerve wracking! Thankfully videos like yours not only answer most of my questions but also fill the arduous wait before I get a decision! Subscribed!
@ukmcmortgages 4 ай бұрын
That's great to hear! We're glad we could help 🙌 We're always happy to help too when it comes to your remortgage
@NoName-py2dh 2 ай бұрын
@@ukmcmortgages Sam looks like a GXY spice boy. what a helmet you are pal 👍
@shakirmughal 6 ай бұрын
Hi, How much in percentage having a children impact on your affordability for a mortgage.
@africansister 6 ай бұрын
Is that true that in uk one never fully owns their house because after 100 years the land and house becomes the royal property asset? And why pay the leasehold fee annualy when council tax is paid each month? And how much is that ? Thank u for answering my silly questions 😊
@lurkzie 6 ай бұрын
Leasehold fee you pay toward the party that own the deeds to the land. Council tax you pay to live in the borough that you occupy.
@charmedsuperior2222 6 ай бұрын
Newly subscribed 👌🏼 Great content It’s refreshing to hear common sense without conservative bashing KZfaq channels
@AlexDale9 6 ай бұрын
Do you get a mortgage in principle by speaking to your bank first or a mortgage advisor?
@paulgardner3926 6 ай бұрын
Hi, how long should I wait from clearing all my debt to applying for a mortgage? Guess I need to wait for credit agencies to show I’m clear.
@user-zl2ny8uj7q 6 ай бұрын
Good video , how about if I find out after I moved in the boiler, shower, electrics are faulty, can I go back to the seller to complain ?
@user-zl2ny8uj7q 6 ай бұрын
Good video I am going through the process to buy a home, I need to chase my solicitor , they haven't spoken to me over the phone yet other than me emailing each other. After watching this video I will ring my solicitor to ask a few questions.
@leahmeek3964 7 ай бұрын
These videos have helped me understand everything I had questions about when wanting to move out as a first time homebuyer. I feed like these videos have helped me feel a lot less stressed
@ukmcmortgages 6 ай бұрын
Glad it was helpful!
@my_carp_life3424 7 ай бұрын
What a scam it is to buy houses in the uk, paying for searches that of already been done with the previous sales of the house... i mean whats that alll about 😂
@andrewgeorgiou113 7 ай бұрын
I’m a seller and I’m new to this and someone makes me an offer and I accept what happens next
@ukmcmortgages 6 ай бұрын
Hey Andrew - you'll need to inform both your solicitor and broker that you have accepted an offer so they can proceed with a formal mortgage application and proceed with the sale!
@ostinkortan5310 7 ай бұрын
Nice video and straight to the point! I am confused on whether I am considered a first time buyer. I inherited a 1/3 share in a small agricultural land outside the UK before I was even of legal age. Moreover the land to this day has two guardians who have to give permission for any action concerning it. Does that mean I do not count as a first time buyer in the UK? Any advice on how to proceed from here?
@ukmcmortgages 6 ай бұрын
Hey - From the initial information you have provided we would say you are a first time buyer however due to the laws related to homeownership we would need to check this as a part of the initial process for you! Once we have it confirmed by them , we can help you understand your affordability, secure an agreement in principle and get your mortgage application over the line! You can book your free appointment here to get started - outlook.office365.com/owa/calendar/[email protected]/bookings/
@jessicaramirez4354 9 ай бұрын
Nice video keep up the good work.
@LegaliseTweed 10 ай бұрын
Cheers for the tips, just found your channel, subscribed!
@marileechallberg3267 11 ай бұрын
☝️ *PromoSM*
@lolatylar2882 11 ай бұрын
How ca j decide what term to choose
@lolatylar2882 11 ай бұрын
😅