Langley

it does rub not going to lie

I dream of sleeping with Jennifer Lawrence. doesn't mean it'll happen.

Sod it I've booked the flights. Luton 30th back 1st. £138 at the moment. Was £98 this morning.

Bollocks. I was going to put this.

Anyone had a response from their tests they’ve sent off from home that were sent to us for the FA cup final?

It’s the old badge. It’s a fake

I hear you. Took me 5 hours to get there and didn’t get back until 2 am

Funny how people don't say this when it's Norwich away on a Friday night 8pm ko on sky.

command and conquer

the conception on the other hand...

Foxes talk isn’t for rational, calm thinking. What do you think you’re doing here?!

the surveyors I Introduce my clients to do. I can assure you of that!

if it's a structural survey they lift the floorboards so it would have picked this up.

no. unfortunately not. your only obligation in England and Wales ( I know you're in Scotland) is for you to have buildings insurance and for the mortgage company to make sure that's mortgage which it is. you didn't want to have a higher survey because I'm assuming it was expensive? it's how the cookie crumbles sometimes unfortunately as if you had gone for a structural survey (which is what you should have on anything pre-ww1) it would have picked this up.

solicitors don't have a clue about market movements.

Surely that's some sort of European qualification done now?

It’ll be because it’s a new lender and they have to go through it all again and it’s a “new loan” to them. you think it’s painful, try doing it for a living!

that’s the underwriter. They don’t use common sense. Problem is people coming on and off furlough. some brokers are rubbish though I had one for a client who couldn’t have a loan over 8 years but could do over 21 years but then make overpayments to make it 8 years

Absolutely. Criteria changes daily or hourly. And it’s different for every lender. It’s not just mortgages but also pensions and investments.

Massively stricter. Not really taking bonuses into account which makes sense which is the problem. Like car salesmen that new car sales went down 97%. They’ve got to make sure its affordable to you regardless of what happens. It’s going to be crazy over the next couple of months.

It’s the underwriters and the changing in the criteria. Believe me we want you to get the mortgage because we want to get paid, obviously. it’s going to be a delay because of offices shut/remote working. Something that would have taken hours is taking days and weeks. I wouldn’t write brokers off just yet. I’d cut him some slack with the whole COVID thing.

Yeah. I’m a mortgage broker. It’s pricing so many people out of the market. It’s killed the FTB completely. I can’t share the info with everyone as you’ll just bypass brokers like myself and go direct to them unfortunately

I don’t think they will. Not with the furlough coming to an end. Not enough margins if they have to repossess and a housing collapse. like the top one on there is Barclays is a 95% family assist. https://www.barclays.co.uk/content/dam/documents/personal/mortgages/CoreRangeCustomerRateSheet.pdf They don’t have rates above 85% same with all the others which is why if anyone is after a 90% I can get one until 8pm tomorrow as I have done for a couple of my clients as they’re so far between

They’re nearly all are family assist mortgages or for stair casing.

Taylors in Hinckley, Brilliant bloke. 01455. 324994