Hi, will i be able to get a mortgage with a 10% deposit if my partner has had 3 x missed payments as he didnt realise he froze a card with a direct debit
Hi Sean, if it was registered over three years, then I do have a couple of mortgage lenders that have just reduced the required deposit from 15% to 10%, so you could be in luck. If you want to discuss your options at any point, feel free to book a free chat with me, link below! link.coursecreator360.com/widget/appointment/mortgage-chain Any other questions please let me know, Alex
With a history of bad credit within last 6 months, I have managed to pay off all my debt recently and have a 50% LTV. Will my credit profile change within the next few months?
Probably not, but don’t focus on the points it’s about the history…, one you have 6-12 months clean runway you should be ok with that deposit. If you ever want to discuss just book a free chat with me - link.alexkerr.co.uk/mortgage/ftb
Hi pal, appreciate all your videos Wanted to know if having 5 defaults on phones and other stuff can still get me a mortgage with a joint applicant. They all have been satisfied for a year now
Could very well be possible! I would download a free course, if you haven’t already, so you can doublecheck your options! Link here - kykrmaiztk7fwuunbnnt.memberships.msgsndr.com/offers/7117f03a-eba3-40c3-9667-b4a1fedcb7a1
Thanks for this video mate! A quick question on credit card limits if you could! I have a credit limit of 10k but as I work part time and will be a joint application with my wife I’m only bringing in about 1k per month in wages! Do I need to cut my credit limits dramatically to improve my DTI ratio? I have never really exceeded 3% credit utilisation
@@alexkerrmortgage thanks for the reply Alex. I was of the thinking that the “potential” to get into debt had a negative impact on some decision makers. Thanks for clearing things up 👍🏻
Hi mate, hope you are well. Would I be able to get a mortgage with 5% deposit if I have 1 account that was 6 months in arrears but has now been settled 16 months ago? Plus 1 missed payment due to no DD set up?
It’s tricky, we have just had a brand-new mortgage product, come out with a 5% deposit for adverse credit… If you want to check if it’s possible just book a free chat with me using this link.link.coursecreator360.com/widget/appointment/mortgage-chain
Hi, will i be able to get a mortgage with a 10% deposit if my partner has had 3 x missed payments as he didnt realise he froze a card with a direct debit
Very possible! Just book a free chat with me when you’re ready to look at the options. link.alexkerr.co.uk/mortgage/ftb
Hi pal would it be possible to get a mortgage with a 10% deposit if i have 1 default on my file. A 3 year old 17500 loan( unsatisfied)thank you
Hi Sean, if it was registered over three years, then I do have a couple of mortgage lenders that have just reduced the required deposit from 15% to 10%, so you could be in luck.
If you want to discuss your options at any point, feel free to book a free chat with me, link below!
link.coursecreator360.com/widget/appointment/mortgage-chain
Any other questions please let me know, Alex
With a history of bad credit within last 6 months, I have managed to pay off all my debt recently and have a 50% LTV. Will my credit profile change within the next few months?
Probably not, but don’t focus on the points it’s about the history…, one you have 6-12 months clean runway you should be ok with that deposit.
If you ever want to discuss just book a free chat with me -
link.alexkerr.co.uk/mortgage/ftb
Love the bad credit content Alex! Will book a chat with you soon pal, cheers 👍
Looking forward to it!
Hi pal, appreciate all your videos
Wanted to know if having 5 defaults on phones and other stuff can still get me a mortgage with a joint applicant.
They all have been satisfied for a year now
Could very well be possible! I would download a free course, if you haven’t already, so you can doublecheck your options! Link here - kykrmaiztk7fwuunbnnt.memberships.msgsndr.com/offers/7117f03a-eba3-40c3-9667-b4a1fedcb7a1
Thanks for this video mate! A quick question on credit card limits if you could! I have a credit limit of 10k but as I work part time and will be a joint application with my wife I’m only bringing in about 1k per month in wages! Do I need to cut my credit limits dramatically to improve my DTI ratio? I have never really exceeded 3% credit utilisation
No worries, thank you for watching! You don’t need to worry if there is no debt on the card, debt to income ratio is based on debt not credit limits.
@@alexkerrmortgage thanks for the reply Alex. I was of the thinking that the “potential” to get into debt had a negative impact on some decision makers. Thanks for clearing things up 👍🏻
Hi mate, hope you are well. Would I be able to get a mortgage with 5% deposit if I have 1 account that was 6 months in arrears but has now been settled 16 months ago? Plus 1 missed payment due to no DD set up?
It’s tricky, we have just had a brand-new mortgage product, come out with a 5% deposit for adverse credit… If you want to check if it’s possible just book a free chat with me using this link.link.coursecreator360.com/widget/appointment/mortgage-chain
DOWNLOAD FREE Mentorship Programme - Bad Credit File Expert: kykrmaiztk7fwuunbnnt.memberships.msgsndr.com/offers/7117f03a-eba3-40c3-9667-b4a1fedcb7a1