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The Dolphin 12 Mar 21 12.51pm
My first ever purchase involved me sitting with a mortgage broker who asked me what I earned as he filled in the form for me. When I told him he explained that wouldn't work. I asked how much I needed to earn and he told me an amount. We agreed to write that down and see what happened. No questions were asked and I bought the house and never looked back. The good old days!
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The Dolphin

12 Mar 21 12.51pm

My first ever purchase involved me sitting with a mortgage broker who asked me what I earned as he filled in the form for me.
When I told him he explained that wouldn't work.
I asked how much I needed to earn and he told me an amount.
We agreed to write that down and see what happened.
No questions were asked and I bought the house and never looked back.
The good old days!

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Tom-the-eagle Croydon 12 Mar 21 1.33pm
Originally posted by The Dolphin My first ever purchase involved me sitting with a mortgage broker who asked me what I earned as he filled in the form for me. When I told him he explained that wouldn't work. I asked how much I needed to earn and he told me an amount. We agreed to write that down and see what happened. No questions were asked and I bought the house and never looked back. The good old days! I miss the days of self cert mortgages. Was like the Wild West. Used to be much easier getting a mortgage being self employed than PAYE, complete opposite now. "It feels much better than it ever did, much more sensitive." John Wayne Bobbit
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Tom-the-eagle

Croydon 12 Mar 21 1.33pm

Originally posted by The Dolphin

I miss the days of self cert mortgages. Was like the Wild West.

Used to be much easier getting a mortgage being self employed than PAYE, complete opposite now.

"It feels much better than it ever did, much more sensitive." John Wayne Bobbit

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Palace Old Geezer Midhurst 12 Mar 21 1.50pm
Originally posted by The Dolphin My first ever purchase involved me sitting with a mortgage broker who asked me what I earned as he filled in the form for me. When I told him he explained that wouldn't work. I asked how much I needed to earn and he told me an amount. We agreed to write that down and see what happened. No questions were asked and I bought the house and never looked back. The good old days! Mine is a similar story. Joint mortgage needed so my wife's salary taken into account. Her boss agreed to tell the building society she was earning quite a bit more than was actually the case. We were granted our first mortgage on that basis and, as you say, we never looked back. Good old days, 50 years ago, the house cost £6,100 having successfully negotiated 50 quid off! The mortgage was at a rate of 13% as I recall. Not so good old days! Dad and I watched games standing on the muddy slope of the Holmesdale Road end. He cheered and I rattled.
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Palace Old Geezer

Midhurst 12 Mar 21 1.50pm

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Originally posted by The Dolphin

Mine is a similar story. Joint mortgage needed so my wife's salary taken into account. Her boss agreed to tell the building society she was earning quite a bit more than was actually the case.

We were granted our first mortgage on that basis and, as you say, we never looked back.

Good old days, 50 years ago, the house cost £6,100 having successfully negotiated 50 quid off! The mortgage was at a rate of 13% as I recall. Not so good old days!

Dad and I watched games standing on the muddy slope of the Holmesdale Road end. He cheered and I rattled.

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Forest Hillbilly in a hidey-hole 12 Mar 21 5.13pm
Originally posted by PalazioVecchio luckily this is a bullish market. If this buyer is a t0sser , you can threaten to dump them for somebody more motivated. I had a buyer wanted me to pay for surveys (after the price had been agreed). I told the agent if I get another stupid request, the house goes back on the market. The buyer melted and we haven't heard a peep since. Sale going through really smoothly. "The facts have changed", Rishi Sunak
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Forest Hillbilly

in a hidey-hole 12 Mar 21 5.13pm

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Originally posted by PalazioVecchio

luckily this is a bullish market.

If this buyer is a t0sser , you can threaten to dump them for somebody more motivated.

I had a buyer wanted me to pay for surveys (after the price had been agreed). I told the agent if I get another stupid request, the house goes back on the market.
The buyer melted and we haven't heard a peep since. Sale going through really smoothly.

"The facts have changed", Rishi Sunak

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PalazioVecchio south pole 12 Mar 21 5.37pm
i bought a place in South London in 1996. Got very lucky when the London Overground happened. [Link] can anybody advise on what will be the next area to go up ? & why ? Eze Peasy at Anfield....
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PalazioVecchio

south pole 12 Mar 21 5.37pm

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i bought a place in South London in 1996.

Got very lucky when the London Overground happened.

[Link]

can anybody advise on what will be the next area to go up ? & why ?

Eze Peasy at Anfield....

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