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We’re interested in getting a mortgage on a 1955 easi-form Laing property, depending on a survey. So far there haven’t been issues finding a mortgage, however one did reject as it’s non-standard. Do you know if Easi-form Laing MK3 have a better reputation than other concrete build standards? Thanks

What if a cash buyer bought a flat with shared ownership? Can the cash buyer get 100% share immediately if you paid full price?

Or you could just put that in your own savings account and not paying insurance company

Hi Alex, thanks for the video. I asked my landlord today if he's willing to sell to me in the short or long term and if willing to sell for 10% less under concessionary mortgage. He said he'll do the figures and let me know. Is it worth booking an appointment now with you or waiting until he says yes or no? Many thanks, Craig

Why only first time buyers! I feel seriously discriminated against for having got my stuff together and bought first flat in my 20s. Now I’m in my 30s and can’t move out because all the best schemes seem to be for first time buyers

Oh great. House prices going up again. the Canada model. Houses need built, prices need to come down. More debt is not the solution. We'll end up with homes costing millions like in canada where tehy keep adding more insane mortgage products with extremely long terms that cost more over the term.

The 15% minimum deposit requirement for non-new built flat is only applicable if the lease term is shorter than 90 years I think.

Hi Alex iv received a mortgage offer. Does that mean iv fully passed all credit checks and Iv definitely got the offer or will more checks be done. Thanks

How does this work if someone goes self employed in say 3 4 years after?

Anyone who has bought a property since 2021 will be in negativity equity unless they used a real hefty deposit. This fake bubble was created from the money printers going into overdrive along with ultra low rates. Anyone who has lived through a bubble will know they always come crashing down. I can see property prices coming down from anything from 15 to 50% depending on where you live or by the condition of the property over the next few years as we head into a global recession.

Very useful information. Hopefully will reach out to you in the coming months 👍😊

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What happens if i don't have an address?

Hi Alex, can i get a mortgage if i am on graduate route visa with a good credit score?

Any guidance on buying a probate property? I went 10% below the asking price and already have had 3 offers rejected. Property only recently (2 weeks ago) came into the market.

Lol make a video begging the vendor to accept your offer? Absolutely fuck no

“Do not attach emotions…do not attach emotions” 2:00 Deja vu

Awful sound effects. F that 🙉🙉🙉

Appreciated thanks for this further breakdown on this subject ✅

Great video

Whwn they changed it it totally degraded my score giving me a much lower score from 700+ with like experian, Equifax. On check my file its now currently 394? Hows rhat possible

Hey Alex. Can a short term Arrangement to pay on my credit card affect my application?

Alex! You need an update to this video! With all the new government scheme changes we need an update! As of Jan 2025, Help to Buy no longer exists and Shared Ownership now only provides 16k maximum discount in London!

1:22 a disadvantage of shared ownership means you're restricted to shared ownership? I dont get it. It's like saying looking for a petrol car means you're only restricted to petrol cars.

Great video, good content - honest critique, the sound effects are too much/too loud. May be different for others, but I personally found them very distracting

Hi Alex, do you mean we should do all of them? (life, critical illness and income protection)

Can you guide us how to proof abroad deposit (inheritance, gift, savings)!! Thanks Alex

I want to move at 16 but I have no money

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What is with the random music? I feel like I’m listening to top10 scares/Das Boot 😂😂

Stays on 6 years after settling it or from when you start your agreement?

Surely the lender knows the age of the borrower when the mortgage is taken out, can’t they do simple arithmetic to work out how old the borrower is will be at the end of the term or can they only do the complicated at of compound interest?

I work full time and i transfer my saving/deposit in my partners account.And end of the month i just left few quids in my account.Would this have bad impact when i apply for mortgage?

If i started at my current job through an agency and then was made permanent, which date do I use for start of employment?

Very helpful video thanks! Do you have any videos on shared ownership and service fees?

Hi Alex! I got a default payment for O2 but I have cleared my debts already.but my credit score hasn’t improved.I couldn’t apply for credit card as well.can you please help me with this. Thanks

Alex can you explain this situation. - I try to buy a house in South Yorkshire and am told by estate agent that It will be difficult to get a mortgage here due to "mortgage lenders that will not take the risk due the number of rentals." Is it a nonsense to hide a faulty house or some secret connection that at the moment totally can't comprehend?

Great video 🙌🏼

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I've got mine till I'm 75

Thanks for sharing 🙏🏿❤. God bless you 🙏🏿

How do you know what the new loan percent of the value you need after the term? Eg. 10% deposit for 2 years fixed. Also how do you cater for the increased value of the property after the 2 years?

Very helpful video, I can't thank you enough. Alex when should I do the RICS approved survey? After the offer accepted or before?

More expensive now: Solicitor fee range £2,000 - £3,500 Money on account straight up is £500 Mortgage broker can charge up to £500 Mortgage product fee could be up to £1,000 First monthly instalment of mortgage is higher than the following months, check illustration document Apportionments due for utilities/council tax TV license £170 if paying annual upfront...

Hello. I have a question, because I have a problem with SA302, an accountant is settling my accounts and it turned out that she does not have a license and cannot sign this form, and the bank requires it. She apologized to us and that's it, and we were granted a loan, the house was reserved, and without a signature and license the bank can withdraw the loan. And my question is, is there any other way to obtain this document, apart from an unreliable accountant. I know that you can from the gov website, but only if I settle my accounts myself. Is there a way out of this situation?