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Total newbie here

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  • Total newbie here

    Okay, i am totally new to this enviroment and so I will probably ask questions that all you veterans know, so please forgive me or just give this thread a miss.

    I hear of methods to buy property without money down?? is this true? I am looking for renovations to do and have found some flats at lowish price to begin with. What is a recomended % compared to purchase to spend on a renovate.

    Is it a case of applying for a 2nd mortgage to purchase this renovation, and would this mortgage include the cost to modernise?

    Is there other sources or forums that members would suggest i look at before taking my forts project on.

    Currently earn £18,500 per year, but have heard that you can do self certificates?

    As I said sorry if questions asked before.

    thanks

  • #2
    i thought i would have had some replys here, must be on the wrong forum.

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    • #3
      Self-certification

      "Currently earn £18,500 per year, but have heard that you can do self certificates?"

      You mean tell the mortgage provider that you earn £36k, when you don't? I know a mortgage advisor who describes that as 'fraud' ...

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      • #4
        That is big time fraud.

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        • #5
          Originally posted by rassman View Post

          Currently earn £18,500 per year, but have heard that you can do self certificates?
          I'm not sure if there any any self cert mortgages on the market anymore - certainly not ones that lend 100%.

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