Morgages????

apparently so..


i got a tile cutter, works well... it's quite calming puttin rows and rows of tiles up :groovy:

It's behind the bike shops on Westgate Road, on the left as you're going up the road, up to as far as where Elswick Road goes off to the left. There is a square with a little park in the middle, though the houses around that are incredibly expensive (around £600k I think). There are also a few streets that run up to Elswick Road. They were all built in the 1830s, so wonderful high ceilings, original floorboards etc. It's in a conservation area too.

Given its location, it is incredibly quiet. On my street there was a great atmosphere, people would check out what was going on if your burglar alarm went off etc.

bob knows best

as for the turnbull, it loves amazing in the photo's and from outside.... but I've seen 3 apartments and in person they're ugly as sin.

even if you do lose your job through unemployment, or even if you are off due to sickess or accient there are insurance policies out there to cover your mortgage payments and some that cover up to 50% of your income so as long as you put the correct precautionary measures in place then you're fine

We rented for ages but mostly because neither of us have been in a position to buy. Now we are ready and the house prices arent too bad at the moment.....they are staying steady for a while and are set to increase again in the summer.

Face it they're NEVER going to drop.

PRINCESS JANE

Sadly we will be renting for a long time yet, due to pesky banks taking issues with my beloved's interesting credit rating.

I did consult an IFA, who advised to leave my fella if I wanted a mortage.

Actually, knowing we CAN'T get a mortgage is quite relaxing.

I did have that awful feeling I really, really should be on the property ladder, stretching my wages to afford a shed in Benwell.

Now I know we are financial lepers, we rent a lovely riverside townhouse, which we could never get a mortgage for in a million years, though the owner occupiers on the estate despise our lax tentant like attitude to late night noise and parking spaces.

well the house we're looking at is worth the extra £50 per month its gonna cost us to buy it and its so much better than where we are now.

So we'd be canny stupid not too

Besides we've been together long enough now, we need some stability. After all its only gonna be a few years and we'll be married too

Once u find the perfect house its really hard not to go for it like and £50 extra a month deffo isnt breaking the bank is it !!!

I think everything u and suz have had to do and put up with since gettin ur mortgage has put me off - dont even like thinkin bout it now

lol do u realise it was july the 29th u told me about the house and i viewed it the following monday , thats nearly 4 fookin months now :bang:

I know thats why its puttin me off, and im livin in the one I want

I went for a mortgage to buy the flat Im renting last week, she said I passed the affordability thing but it had refused on my credit rating. But I said it was off when I was an apprentice and Ive been doing ok with payments for the last year since my wages doubled, so she said she would write it on and apply anyway. Im not holding my breath though

My credit rating was quite "colourful" like but i still got my mortgage , sometimes they just put ur rates up a bit , got mine fixed rate for 3 years which is when all my bad credit scores should have fell off so to speak then i can re-mortgage for better rates !!!

It wasn't happening mate.

My own bank said absolutely no way could I borrow anything if my fella was involved.

Our IFA said it would be about four years before a high street bank would touch him.

The back pages of the Sport beckoned, 15 per cent interest rates and a £30,000 deposit.

my rates are no where near that like , my lender isnt high street either but i did end up having to put 8k down with the mortgage over 30 year , they knocked me back for the 35 year for some reason and im only just 30 this year !!!

Nice one, theres hope in them thar hills then eh! Doesnt make much of a difference to me wether I get it or not like! Just mean me parents are skint for another year or so till my credits better

I had an absolute nightmare getting a mortgage due to a couple of bad things on my credit file from nearly 6 years ago. Started looking around Septemeber time and finally had my mortgage through the following May!

My mortgage took nearly 5 months to go through when I was already living in the house I was buying.

We're looking to remortgage in the new year and I'm not looking forward to going through that again. I'd hate to think how bad it would be buying a different house