Does anyone know of any really dishonest and underhand morgate lender that might let us have more than a £93,000 mortgage, as that won't buy you a pot to p*ss in round here.

[moozoboozo]

Anyone?

[edam]

Go to a mortgage broker - most estate agents have one in their office. They'll look around and try to find the best deal for your circs.
Don't go anywhere near Woowich though - have had terrible experiences with them. Complete incompetence and bad attitude ever since they were bought by Barclays.

[moozoboozo]

I am self employed, but DP, who is the main wage earner, is employed

[edam]

... or you could google Charcol, one of the biggest firms of mortgage brokers. Or look in the personal finance pages of a national newspaper - Guardian's is on a Saturday.

[wobblyknicks]

Do you mind saying what your combined income is?

[moozoboozo]

Will do edam.

[HappyDaddy]

I know a bloke who will but if you miss a payment, he breaks your legs...

[hunkermunker]

Ours is with the Abbey. They go by affordability, not multiples. HSBC wouldn't even have lent us our current mortgage when we shopped around to move and increase it a bit. It's a killer monthly payment, and we're still living in a relatively small house, but that's London for you!

[moozoboozo]

Our combined income is about £30,000, depending on how many regular pupils I have.

[moozoboozo]

lol HD. Is that bloke you?

[wobblyknicks]

Was going to say the same as hm - find a lender who does it by affordability. Depending on how many debts you have to pay per month you could be able to get higher than 93k - do you have a lot of debt payments each month?

[moozoboozo]

Hunker, we live in Bath, which, property wise, is on a pr with London, but the wages round here don't match up sadly. We pay 700 quid a month in rent, which lines the pockets of our alcoholic tosser of a landlord.

[katzguk]

try www.themarketplace.com

[moozoboozo]

At the mamont, DP and I both have loans. We pay about £300 a month (oops) which is 2 separate payments

[edodgy]

My partner (sole earner) was only on £18000 when we got our mortgage and northern rock were offering him upto £120,000.

[moozoboozo]

Blimey ed. We havent shopped around too much, but 93k is the best we have done so far

[wobblyknicks]

Then by affordability you'd have about £700 a month to put towards mortgage payments (based on a 40% debt allowance), which should be more than 93k mortgage. Have you got any deposit, that can help.

[moozoboozo]

no deposit, and robbing the bank/an OAP is out of the question. We would be looking to borrow 100%

[edodgy]

ive just looked at the northern rock website and did a rough calculation on a joint income of 30000 and it says u may be allowed to borrow upto 80 something grand things must have changed since we got our mortgage we did go through a broker though

[Lonelymum]

Britannia recently gave us a mortgage that is 4 times dh's salary - I thought they didn't lend above 3 times. Anyway, it allowed us to buy a bigger house than we expected, but I am not sure how we will manage the mortgage payments.

[wobblyknicks]

Broker is definitely a good idea, will know about specific lenders that will be good for you.

[edodgy]

hang on i just realised we were in the unusual situation of being able to put 100 grand down (money from the sale of my parents house) so that may have made a difference!

[moozoboozo]

Those calcs on the websites dont really take anything into account really. We havent been to a broker. Maybe we should do that. What would you need to take along?

[edodgy]

Bank details, a few types of identification like a bank statement, utility bill and passport erm can anyone else think of anything else my mind has gone blank?