Hi All,
I am married and have 1 child. Just recently found employment after being unemployed for 2 years in a fairly large multinational company starting salary is 20500. DH is unemployed. We have 60000 in savings (down from 80000 thanks to 2 years being unemployed). I would be hoping to be able to buy a property as soon as possible. I live in Donegal where property prices are quite low, I would get a decent house for around 100000 or less.
How long do you think I will need to be in my current job before approaching a bank? I'm a permanent employee but on 6 months probation.
Are you finding this lionstour? your bank statements can't be overdrawn for six months - even if you have an overdraft facility? that's tough!!! I use my overdraft to a degree at present, but am trying to pay off a loan at 1000e p.m. to try and get it paid off before I apply for a mortgage! I was hoping that I could prove repayment capacity by doing this but I guess I'm back to the drawing board!!!
Are you finding this lionstour? your bank statements can't be overdrawn for six months - even if you have an overdraft facility? that's tough!!! I use my overdraft to a degree at present, but am trying to pay off a loan at 1000e p.m. to try and get it paid off before I apply for a mortgage! I was hoping that I could prove repayment capacity by doing this but I guess I'm back to the drawing board!!!
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