Hi Alex great video and very informative! I'm looking at getting on the ladder in the new year and wondering if there is any way to do a buy to let without having to put down 25% deposit? I've been saving for what feels like ages and still not at the average 25% deposit range, any advice would be greatly appreciated
@@deejejey9712 No worries at all! Whenever you are ready just book an appointment using this new link for our new calendar! link.coursecreator360.com/widget/appointment/mortgage-chain
What would be the tips for finding the right broker? Would you recommend to contact a few, get a few agreements in principle to find out who can offer the best deal? Thank you
You’ve found him. Next step visit our website and book a free chat! www.mortgagechain.co.uk/ And having a chat with a few to understand who is the best fit for you will help too. 👍🏻 Alex
Great videos, but some of the links in the description don't work, you might want to check them out. Also what kind of mortgage would you recommend to a very thrifty person, and is there limit to the amount lenders give you? For example let's say I'm on minimum wage and can comfortably pay off half of my wage as mortgage. Will the lender accept my terms or will they only allow me to pay off a lower amount? Thanks, and keep up the good work!
Hi there thanks for watching and pointing out the links. These have been updated now. I'm not sure what you meant about being a thrifty person and paying off half of your wage. If you could expand a bit more that would be great!
@@alexkerrmortgage I don’t own a property but I am not a first time buyer either. Would you helping the cases like me or first time buyers only? Thanks
I’m After a scheme that allows more lending. I have 50k deposit and looking at 400k Homes. I can afford it. But I doubt anyone will Lend without a certain scheme
Hi Alex, I've just started watching some of your videos as I'm the market looking to buy a home in UK. A basic question i have is: a first time buyer means a first time buyer in UK or a first time buyer anywhere in the world?
Is the first home scheme worth looking at if I met the criteria as a solo first time buyer with %10 deposit and mortgage in principle and how does it work, if and when I do decide to sell at a later date ty.
@@alexkerrmortgage Thank you. Unfortunately I have had to reconsider this option, just because the availability is pretty nonexistent in Manchester after speaking to many builders. I have got a bid on a house, it sounds very promising as the owner showed me around, instead of the agents, so I just asked him what he realistically wanted and he gave me a very fair price under his own EA valuation and inline with houses in the area. So I am just waiting on my mortgage lenders own surveyor to get back to me, but still looking and have a second lined up if this doesn't go through 🤞
So, they make it so complicated, personally it makes me give up and resort to carry on renting 🤣 also it seems the deposit is so high your need a lottery win to attempt this. Sigh. Serious question: Would banks lend you the deposit for a mortgage?
There is one or two options, but everything needs to fit with affordability. Feel free to book a free chat with us. If you want to discuss further, we will make the process a lot simpler for you! www.mortgagechain.co.uk/
@@alexkerrmortgage wow thank you, I didn't know you did this. I'm not looking at making a move just yet, but I'll be sure to arrange a chat when I see the time is right 👍👍
The days of 100%+ mortgages are over. I wish you all the best if you are renting, and remember if your landlord tries to kick you out, you have rights.
I would love to be! Please do feel free to book a free chat with me, so we can discuss further, link here - link.coursecreator360.com/widget/appointment/mortgage-chain
![7 MUST Do Mortgage Application Tips for First Time Buyers - How to Prepare Properly - [UPDATED]](/img/n.gif)
very clear and easy to understand. thank you
@@kmtb2011 thank you for watching!
@@kmtb2011 glad you enjoyed it!
Woow! You did justice to this. Thank you so much
Glad you liked it!
Amazing background. Massive upgrade from your earlier videos. A lot of ££ invested here. Respect.
Thanks very much, very pleased with it!
Hi Alex great video and very informative! I'm looking at getting on the ladder in the new year and wondering if there is any way to do a buy to let without having to put down 25% deposit? I've been saving for what feels like ages and still not at the average 25% deposit range, any advice would be greatly appreciated
Why not do 10%. Even if you are still on visa Barclays and Skipton do 10% deposit
Wow Alex this is really good!!
thanks Dee Jejey, appreciate you watching, how is everything your side?
Everything is coming together I was actually meant to make an appointment with you to catch up for you to see where I am at!!!
@@deejejey9712 No worries at all! Whenever you are ready just book an appointment using this new link for our new calendar!
link.coursecreator360.com/widget/appointment/mortgage-chain
Amazing will do!!!
What would be the tips for finding the right broker? Would you recommend to contact a few, get a few agreements in principle to find out who can offer the best deal? Thank you
You’ve found him. Next step visit our website and book a free chat! www.mortgagechain.co.uk/
And having a chat with a few to understand who is the best fit for you will help too. 👍🏻 Alex
Can I use both a lifetime ISA and a cash ISA for a house deposit?
Yes but you can only ever get bonuses from one.
Hi thanks for the video I’m wondering what the help to buy replacement is please
Probably the new Home scheme, I think this will come clearer next year… I will bring out some Vids!
Thank you
You're welcome
Great video Alex
Thanks for watching!
Great videos, but some of the links in the description don't work, you might want to check them out.
Also what kind of mortgage would you recommend to a very thrifty person, and is there limit to the amount lenders give you? For example let's say I'm on minimum wage and can comfortably pay off half of my wage as mortgage. Will the lender accept my terms or will they only allow me to pay off a lower amount? Thanks, and keep up the good work!
Hi there thanks for watching and pointing out the links. These have been updated now. I'm not sure what you meant about being a thrifty person and paying off half of your wage. If you could expand a bit more that would be great!
Is secured debt such as loan on cars included on income ratio debts?
@@rezaaf393 I’m f it’s a personal loan, but some lenders won’t include HP agreements
@@alexkerrmortgage Thank you for your comprehensive explanations and details you have provided on your videos.
@@alexkerrmortgage I don’t own a property but I am not a first time buyer either. Would you helping the cases like me or first time buyers only?
Thanks
I’m
After a scheme that allows more lending. I have 50k deposit and looking at 400k
Homes. I can afford it. But I doubt anyone will
Lend without a certain scheme
Check out the even equity loan… If you want any more help with this, let me know.
Hi would like to book a consultation.Can you help
Please use this link - link.coursecreator360.com/widget/appointment/mortgage-chain
Look forward to chatting further! Alex
informative ❤
Thanks 🙂
Hi Alex, I've just started watching some of your videos as I'm the market looking to buy a home in UK. A basic question i have is: a first time buyer means a first time buyer in UK or a first time buyer anywhere in the world?
It means anywhere in the world. Any more questions let me know!
excellent thanks 😊 👍🏼, muchas gracias ..
No hay problema mi amigo, gracias por mirar!
Is the first home scheme worth looking at if I met the criteria as a solo first time buyer with %10 deposit and mortgage in principle and how does it work, if and when I do decide to sell at a later date ty.
Hi Lee, here's a video we did in the first home scheme - th-cam.com/video/Xu8jEG3oT7g/w-d-xo.html
@@alexkerrmortgage Thank you. Unfortunately I have had to reconsider this option, just because the availability is pretty nonexistent in Manchester after speaking to many builders. I have got a bid on a house, it sounds very promising as the owner showed me around, instead of the agents, so I just asked him what he realistically wanted and he gave me a very fair price under his own EA valuation and inline with houses in the area. So I am just waiting on my mortgage lenders own surveyor to get back to me, but still looking and have a second lined up if this doesn't go through 🤞
Do you help with Right to buy ?
Yes absolutely. Please feel free to book in using this link for a free chat. link.coursecreator360.com/widget/appointment/mortgage-chain
@@alexkerrmortgage ive just booked
I just booked aswel
So, they make it so complicated, personally it makes me give up and resort to carry on renting 🤣 also it seems the deposit is so high your need a lottery win to attempt this. Sigh. Serious question: Would banks lend you the deposit for a mortgage?
There is one or two options, but everything needs to fit with affordability. Feel free to book a free chat with us. If you want to discuss further, we will make the process a lot simpler for you! www.mortgagechain.co.uk/
@@alexkerrmortgage wow thank you, I didn't know you did this. I'm not looking at making a move just yet, but I'll be sure to arrange a chat when I see the time is right 👍👍
@@milktwosugars6848 no worries, any more questions just let me know!
The days of 100%+ mortgages are over. I wish you all the best if you are renting, and remember if your landlord tries to kick you out, you have rights.
does mortgage advisor need my landlords details for first meeting?
Probably not…
Would you like to be my mortgage adviser?
I would love to be! Please do feel free to book a free chat with me, so we can discuss further, link here - link.coursecreator360.com/widget/appointment/mortgage-chain
👋👋👋