Explain to me how I see a mortgage advisor

[StillTryingHard]

Just that. I rent and would like to buy. I'm old for a mortgage (45) and don't have enough deposit yet - but have a good job & am almost there w deposit

Just want to move on from looking at an app and speak to a real person about how much I can borrow so I can work out exactly where I can live. Clue: not london

Do I just book appointment with nationwide or should I see a broker. If the latter then how? Honestly I've tried to google this stuff but none the wiser.

Really want to make 2018 the year. So grateful for any help.

I used London and Country. It's all done over the phone.

Call London & Country. They are good.

See an independent financial advisor, not one who is connected to a bank or building society - that way they can advise you on whats available from all financial institutions, not just their own products. Can you ask anyone you know for a recommendation?

Don't go to Nationwide or any other bank or building society as they only advise you on their products.

Are you in employment and without dependants? CCJ, debt etc? If so, you basically need to work on the basis of the term of the mortgage ended by before you turn 70. Go on moneysupermarket to compare products and rates. Normally 3-4 times your gross annual income is the max advisable + you’ll need at least 10% deposit. Try to borrow less rather than moreas interest rates are rising so monthly repayments will go up.

If your situation is more complicated then indeed speak to an independent advisor.

Ok these are great instructions thanks. Not heard of london & country so will look them up - thanks for link. Mortgage having to end by 70 means I would have to put a rocket under myself - eeek

No debts or CCJ but one son BTW - in full time suitably boring safe sector

Opened the thread to say use London and Country, they are excellent and they don't charge a fee to you, only to the mortgage lender.