I'm looking to see if i can get a mortgage with my boyfriend,(Live UK) but haven't got a clue where to start,

Answer 1

Do NOT just go to your bank. You will only get one deal - if you were buying car insurance you wouldn't just go to one broker. You would look at several.
An independent mortgage advisor will do this for you - however, do check that the advisor isn't planning on adding extra fees for themselves onto the mortgage. Certain mortgage advice companies will do this as they figure you won't notice an extra £300 on a £100k mortgage, but why pay it if you don't need to? Certain advisors are happy to just take the fee paid to them by the mortgage lender.Check you use one of these and that they are independent.
Also when buying check you go in at a lower asking price - not too low or you'll offend the owners - but enough to do some bartering to save a few grand.
Good luck. There is nothing like the feeling of owning your own house.

Answer 2

For a start you can go in to any bank or building society branch (presuming they do mortgages, and most do) and ask to see an advisor - you won't be tied to taking the mortgage with them, shop around, see who will give you the deal that suits you best and DON'T allow anyone to pressure you in to purchasing any mortgage until you are ready.

You will most likely need to go furnished with details of both your salaries, info on any other loans you might have etc.

Buying your first home is SO exciting! Good luck!

Answer 3

The first place to start is at a bank. They will not only tell you if you can get a loan, but what is going to fit in your budget. Then, you'll know what you're looking at when you decide to start looking.

It's best to go to more than one bank and ones that do nothing but mortgages are good, since they'll specialize in that.

Don't expect to be with that bank too long after you do get a mortgage though. It's pretty common for a bank to sell a mortgage to another bank.

Answer 4

Find a mortgage broker, he'll do everything that needs to be done for you and inform you what's your best scenario! It's always better to work with a broker who works for a lender, not for a brokerage house, 'cause he can find you lower rates ( of course everything depends what's your income, credit score, etc ).
So my suggestion is find a guy that you can trust and he'll do the rest!


Good luck!

Answer 5

You could go to your bank or building society, or a mortgage advisor working in an estate agents. (These tend to be independant and so have access to more morgages on the market. Banks/building societs are limited to a few that they have to promote)

Good luck!!

Answer 6

Start with your bank.

You could also try a mortgage broker, they will shop around for the best one for you, and they don't cost you, as the lender pays them.

Answer 7

i start by going to my bank and see what they have to offer
or try a mortgage broker if you had credit refused or marry your b/f first and let him sort out the mortgage

Answer 8

Make an appointment to go & see a morgage adviser. Some estate agents have independent morgage advisors working for them.

You will need proof of income, and ID, but go and see one and they will shop around for the best deal for you.

Best of luck

Answer 9

go to an independent mortgage adviser and they will take all of your information nd find a few companies who would be best for your situation. we went to connels but i think most real estate offices have them so go see. make sure they are independent though or they will just sell their product. good luck.

Answer 10

Start by asking your bank. Then compare with other building societies in your area.

The first thing you need to establish is how much you can borrow based on your salary/salaries. Then you know what price of house you are looking at and how much you will need for a deposit.