Відео

🔗 Interested in discussing your options? Book your free call with me here - link.alexkerr.co.uk/mortgage/ftb

What about high mortgage lenders with a low income

Me and my partner have credit score of around 450 each. We are self employed with an income of 85k. Would i be able to get a mortgage and what percent deposit will they ask for. Thank you.been watching the channel for a while now.

Would you still recommend me waiting till my partner returns to work before potentially buying a property

Hi Alex thanks for the all the videos,it’s any chance please to have a chat on private trough the phone please thanks

Self employed approval?

at 1:47 --- I've just gone through this process as a first time buyer, as a couple, and we've got decent jobs in the south east. This entire process is damned, dumb and short sighted (I'm still a bit raw from the ordeal if you can tell.) - "[they] Started looking for properties first before xyz" -- we were all but forced to do this because we couldn't have a sensible discussion with a lender without first knowing the value of the property we wanted to mortgage against. -- I wrote a lot more but really this is the point. It's an awful system.

If im not a first time buyer and my partner is not and we are both aged 43 and a 3rd applicant is first time buyer can this work

Hi Alex , I have a loan until 2029. I’m paying £438 a month. We are moving to the UK from Jersey Channel Islands. I have a £57k salary but my wife doesn’t work at the moment as we have 3 young kids. How long do we need to wait to build credit history in the UK ? As I heard Jersey’s won’t count. Some say 12m. Will I be able to get a mortgage for £100k based on my wages ? Thanks

This video helped us massively in preparing to buy our first home. We had everything ready, including the mortgage in principle as advised, and this made us a better choice for the seller even though they had a higher bid than ours. We completed in 3 months thanks to being prepared. Really appreciated this video. Thank you

If the deposit is short of 1000£ mortagage declined?

Not illegible or not legible?

my annual income 13225 i worked 26 hours a week manthly 104 hours can i get first time buyer mortgage plz answer my qustion

Thank you for all the information!!!

Great content as always, your advice is super helpful and totally appreciated, Alex.

Good video again!

Hi there, what about right to buy scheme, when they are going to reduce the discount. Please advise ❓❓❓❓

Hi how about re-mortgaging if you have defaults just over 12months old? In my case it would be a joint re-mortgage with my wife who has no defaults. Thanks

So now it’s already difficult for first time buyers to save up but now if they change the stamp duty rates it means it will be even more difficult as we will have to save even more

If you are looking to buy a house for more than 400k then you don’t need the support others do. First time buyer doesn’t always mean you are skint. And just because the average house price in London is above 425k it doesn’t mean you have to buy one at that price.

I'd like to see something like corporation tax relief for companies that build homes, relative to any increases in the volume that they can build, although this is only off the top of my head so I'm open to criticisms of this approach

I didn't quite understand the stamp duty changes. I'm hoping to purchase a £430k house before March 2025. How much stamp duty will I need to pay?

Thanks for your videos. I'm a first time buyer currently at the start of the process. Hopefully it all goes well. I'll have a look at the solicitors you've provided

In Scotland the rules are very different. All offers have to be made via your solicitor in writing. Once under offer aka offer accepted, then gazzumping is not possible.

Im not sure if you can advise but i swapped banks in 2017, i can get statements from 2014-17 which shows an increase from 10 to 20k, and could get statements from my student loan company to show rhe other parts are my maintenance loan and grants, do you think that would cause an issue? I also have three other issues in that i have several paypal transfers in from selling hobby items totalling around 8k, which could be supported by paypal gooods and services receipts and also i pay some of my fathers bills online and he gives me cash so there are a few cash deposits randomly over the years of 2k. I can show that have good income coming in ans my total deposit would be around 45k, do you believe this would cause issues? Any advice appreciated

Very insightful, thank you so much.

Whats realistic for a 50 year old guy with a £45k deposit and ive never owned a property. i earn £25k a year and my experian score is 860

I love your videos! I am self-employed and would like to buy a property. Can you create a video for self-employed company owners?

Funny how everyone that does not like these taxes live in 1/2 a million pound homes or rent out 5 houses... Look - the Bank of England pulled billions of £10 notes out of a magicians hat only made legal because the government said they could. They gave those trillions to their rich pals and the poor did not get any of the money to increase their wealth or reduce their rents. It was a disgrace and those trillions must be brought back into government and given to improve the life of the poor with more infrastructure and a better way of life for them. Who in the UK would like to argue against that? Also, the governments House Price Index was calculated with a statistical calculation (all house sales in the month of say July 2021 to all the house sales in 2022) that included 13 months of data and they called it 12 months or in the last year. This is prove of the Ponzi scheme led by banks and the government and was even reported in a way which meant bankers could add another billion to the housing stock to allow them to pull more false money out of the magic hat. This is the worst era in the history of economics in out country and the worst deregulation was introduced by Labour. You will not see this reported anywhere because of the cover up of the Ponzi scheme. My maths and my calculations - I could be wrong - but you do the maths and tell me I am wrong? By the way, I am not a Labour voter and have helped both my children with massive deposits instead of buying a million pound house myself. Do not care if you believe me or not.

videos are great

How can I contact you via the phone? I am looking for a mortgage broker and ready to move forward. Could anyone from your team or yourself kindly give me a call.

For the first time buyers on visa ,do they get mortgage *5 times their annual salary. and which banks give first time buyers their mortgage provided that annual salary is less than 100k. **your channel is very good and need wide reach among first time buyers..!

So checkmyfile is saying my score is 300 but Experion say my score is 606. Checkmyfile is saying things that aren't true.

Hi good video thanks for sharing. I’ve got myself in a messy position of having several credit cards, was making the minimum payments fine but it got to the point where they were all running out of the balance transfer interest free period and would start accruing monthly interest. So I spoke to a debt charity in the UK I’ve setup a DMP with them and it seems my creditors have frozen any interest whilst they make payments on my behalf after I pay the charity which is a huge help. However, just 2 payments in and I’ve been sent default letters as the payments are now below the minimum payment. So if that goes on my credit file it’ll stay there for 6 years. My worry now is that I’ll have issues re-mortgaging in Jan 2026 (joint mortgage with my wife who has no defaults or credit card debts). I’ll see if I can avoid the defaults by paying the arrears and then upping the monthly payments to the charity to match the minimum payment as I’ve managed to get a better paid job and start in the next month. However as I’ve signed up for the DMP, I’m now not sure if I can do as I mentioned and avoid the defaults or whether I’d need to come off the DMP and speak to the creditors directly 🤦‍♂️

I’ve been checking rightmove quite often for the past 6 months ish and the market appears to be very slow with a lot of properties getting reduced regularly, I’m in Teesside area.

Is he living in fucking reality, my rent is 750. More then half my monthly take home after the take man has taken its 27% of income. Ad din grocery’s and medical bills then water electric and gas. Oh wait now just have enough for my tampons. Where do I save £30.000 for my basic 1 bedroom flat. Smart ass

hi first time buyer flat! i had a question! wanting to buy just outside of london in hemel hempstead with a budget of up to 250,000 and was wondering if i was to wait until after march would i need to pay stamp duty ? or will i still be in the allowance for that area? :)

Fantastic vid❤ thank you

Please please teach this in schools and colleges this is very informative

Great video. Once I save up enough, I will contact you for help and support. I have been watching a lot of your videos & can't wait to own a property in the near future.

Gem

Hi you said don't search for properties before your mortgage is ready: how can you get mortgage ready you don't know what property you're going to buy and how much it's going cost? Meaning how much to borrow? The council give the opposite tips: get your house evaluate first and then you have 12 weeks to sort your mortgage or accept the offer. Thanks

This is true, I’m 21 poor background and have over 4 properties that create £675 per month, Just by starting young safe up lad, success is for everyone👍👍👍👍👍👍

📞 Want to discuss your mortgage options? Book a free call with me here: link.alexkerr.co.uk/mortgage/ftb

Yes, you are right. Do i need to lender in advance about this plan?