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Interesting concept...as we are thinking of buying the house we are renting from the landlord...and was wondering how we would be able to do it without the down-payment

I am employed and receive salary which contributes to most of my savings money saved which is easily visible in my transactions, with my salary I am eligible to borrow the amount that I plan to borrow. I also started freelancing/locumming middle of 2024 and receive money regularly from the company I freelance for (it is a well known and reputable company), this money is probably contributing to approx 1/3 of my saved money. I have not finished a full tax year of work as a locum/freelancer, but I hope to use all of the money saved towards my mortgage deposit. Would the bank have an issue with this? In terms of tax etc. ?

Would it be a negative if your bank statements show your in an arranged over draft by £200 - £300 for the last few day of the month before payday, would be down to Discretionary payments not fixed out goings

Your videos helped me alot to understand each step of the process being a first time buyer. You don't know how many people you're helping. Thank you very much and wish you the best!! ♥

Thank you for the interesting content too

I have had a bank account for the last six years, no CCJs no defaults no IVAs or bankruptices But I only have the one bank account on my report, is this enough to get a mortgage? No hard searches within the last two years too

Hello im ex military of 7 years and lived in housing association house a further 7 years. Ive heard that my housing association is only right too aquire. Would that be true if so only 9k off (Bradford). Could i not get right too buy? Like i thought

My question is about right too buy... can I buy my house with the original discount 35% after 1st 5 years. I have lived in my house for 7 years and also served in the military for a further 7 years. I've been told that the house is housing association so that would be £9,000 off (my area)

How to negotiate after surveyor report? Please advise. What things can be negotiated and what not?

How long or maximal time can you extend the expiry date of offer, if you are 70% through conveyance?

What about assured tenancy if house was built in 1984

Is this the same when when buying the property via a company from a relative?

Should conveyancing solicitors provide searches data as soon as they have it? is it acceptable to not inform client for more than 3 weeks when issues were noted ..thanks for your thoughts

How does that work for council rent payments?

Can you simplify who transfers anything for the mortgage? Because bank's are borrowers.

thanks

Videos are excellent and very informative

Good job sir.

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Great video, clear and gives things to think about. A question: if you take out a mortgage at x years, can you remortgage at a later date and change the no. Of years? Or does the term remain?

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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.

Hi, could you prove a deposit with untaxed contractual income coming into your bank account, aswell as your employd income.

Could you do an update for this video for 2024 please?

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Great video

👍👍👍

What’s your number ? This is too vague, are you a mortgage broker

can I buy another property after a year or so?

I am trying to pay the help to buy by personal loan (half of the amount). Would that be advisable?

Lenders are the biggest racketeering and money laundering operations who buy and sell mortgages and forge documents, deeds and create false accounts. Mortgage means death agreement!!.Wealth by Stealth. No house is worth the price or your life. A home should not be creative financial product. What about those Endowment policies that were sold by banks to people with mortgages to pay for their end of term and then they said sell us your Endowment policy as they are not good anymore and then the banks were discovered to be insolvent and had to be bailed out by the Governments in UK and USA. Who benefited from those Endowment Policies?? Its should be people right to do checks on the Lenders!!!

Thank you for the insightful video. I'm in the UK and in the process of getting a mortgage to buy a property. I'm getting the majority of the house deposit through a gift from parents, the rest I have in a LISA account and in bitcoin. When I'm asked to provide 3 months worth of bank statements as proof of source of funds, how is a bank statement any proof as I have not got any money for the deposit sitting in my bank account? Thanks

Hi, we’ve cancelled our holiday and put £3600 of the money into our savings to go towards our deposit. Is this ok?

Hi my landlord is willing to do this for me but my name isn’t on the actual tenancy agreement. Only my dads is. But I’ve been registered here for a year. Do you think this will be accepted?

What if deposit is several cash gifts from family in EU over 3 years from late 2020?

Hi, First of all thanks for all educational and informative videos. Can you please make a video on specific scenario for fixed term Is coming to an end. 1, remortgaging with the same lender and reduce term. What is the process like? Any consideration etc… 2, Remotaging with a new lender reduce term. What is the process like on the second scenario and any consideration? Alternatively if you can replay to me to my comment, I will be very grateful. Thanks

Right to Acuire if u qualify only gives 10% disscount Max...No Good People

Are there many lenders open to defaults a year old

Hi, can I do a shared ownership without a deposit?

Hi Michael I have been trying to get on track so I can get a mortgage. I’ve had a few defaults from when I was in a bad position but they are all now settled and paid. I just wanted to know why is it ok that these defaults are allowed to be put back on your file once satisfied?

Could I borrow more on my very low mortgage balance and use it as deposit for BTL? Any pros and cons 😊. Many thanks

Really good. Thank you

Thanks for the informative video. I have over 3 years accounts but don't yet have this most recent tax year accounts as they aren't ready until later in the year. Will lenders be okay with this?

What about I sell my gold ?

Hi, I’m wondering if you could help. My mother sold her house to a housing association around 10 years ago. If she able to buy it back now

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Can I get your phone number?

(2 years later) and a "surge in ultra long mortgages" is becoming the norm, to the extent, that payback is more and more extending well into retirement. The cause of this is a simple catch22 - sickeningly high house prices, still rising, because there is more and more money handed out in those mortgages. Why? because in order to meet those insane asking prices lenders have gladly... 1) Significantly increased mortgage salary multipliers, and... 2) Significantly increased payback terms No longer does 21 years at 2.5 x your salary give you enough money to buy a house, a sensible scenario that existed for many years. --> THIS IS EXACTLY WHY the UK housing and rental market is COMPLETELY destroyed !!! --> The ONLY way to reduce house prices is to increase interest rates...once you make these ultra high mortgages unaffordable to the majority, you can rest assure that the majority of sellers will reduce prices. Quickly !!! Unfortunately, the BOE won't do this effectively, and certainly not for a long enough time as to be effective. What to do ???

I thought age didn't matter. Thanks.

Government rip off. 🤦‍♂️ Who in their right mind would trust this government with this 🙄 They will make it their prerogative to shaft the owner at the end. They’re helping no one but themselves as usual 🥹