Hi,
My credit check from experian is fair 838 .I'm first time buyer , £145k and looking to borrow £115k, i already have the mortgage promise .after I process my application ,one week after I get the answer is declined. Now is wait for appeal.
I have give halifax january 2013 4 week payslip, Can I know is it because I say earn £580 a week and annual income is £30,160 but I just start from January 2013 got £580 a week so last time is same position but I only work like one day or two day a week, so about £150 .i really work in this company more than three years.
Now I have my company sent the company letter to halifax appeal ,prove I'm work there is a full time and income is £580.
Halifax check my income from hmrc ??so I have declined .
Another way I have go RBS bank and I have AIP and need to sent 3 months payslip and 3 months bank statement , I'm worry will happened the same thing, RBS only borrow me £105k anywhere I'm still ok. But Halifax is better deal.
Please help .....
My credit check from experian is fair 838 .I'm first time buyer , £145k and looking to borrow £115k, i already have the mortgage promise .after I process my application ,one week after I get the answer is declined. Now is wait for appeal.
I have give halifax january 2013 4 week payslip, Can I know is it because I say earn £580 a week and annual income is £30,160 but I just start from January 2013 got £580 a week so last time is same position but I only work like one day or two day a week, so about £150 .i really work in this company more than three years.
Now I have my company sent the company letter to halifax appeal ,prove I'm work there is a full time and income is £580.
Halifax check my income from hmrc ??so I have declined .
Another way I have go RBS bank and I have AIP and need to sent 3 months payslip and 3 months bank statement , I'm worry will happened the same thing, RBS only borrow me £105k anywhere I'm still ok. But Halifax is better deal.
Please help .....