Spoke to a broker who helped someone else on here get one (so he understood Betfair), but he wasnt a first time buyer and was actually buying a second property (ie keeping the first one). The broker said it "would be very tricky" and hasnt got back to me.
Tried my bank, Santander, but they wont give a mortgage to someone with "no taxable income" under any circumstances even if I had 90% deposit.
Was looking at properties around 150-250k mark with deposit of roughly 100k.
screaming from beneaththewaves 23 Jan 11 22:10 put down a £45k deposit on a £92.5k house. it's easy to see how the Bank of Scotland bit the dust in the end with that kind of lending policy.
you seem pretty bright, where was the risk for the bank in your situation? if you dont repay they repossess.
screaming from beneaththewaves 23 Jan 11 22:10 put down a £45k deposit on a £92.5k house. it's easy to see how the Bank of Scotland bit the dust in the end with that kind of lending policy.you seem pretty bright, where was the risk for the ban
How about inserting three dots to indicate the chunk of text you omitted, R...RAT?
This was 1991, when property prices were tumbling, so there was no cast-iron guarantee the value of the property would hold. As it happens, that house I bought for £92.5k had initially been offered for sale at £150k.
And do you understand what a drawdown facility is? The Bank was offering to lend me more cash, right up to the value of the house, without me requesting that loan facility, and without me having provided any proof of any income at all.
And thanks for your support, DDD, but it's hard to feel bullied by someone trying to sound threatening on an anonymous message board.
How about inserting three dots to indicate the chunk of text you omitted, R...RAT?This was 1991, when property prices were tumbling, so there was no cast-iron guarantee the value of the property would hold. As it happens, that house I bought for £92
scream no i didnt know what a drawdown facility was and agree that is bad practise.
screaming from beneaththewaves Joined: 30 Jan 05 ut it's hard to feel bullied by someone trying to sound threatening on an anonymous message board.
lol i wrote you sound bright and asked where was their a risk to the bank anyway i was correct you are quite bright and educated me as to where the poor practise from the bank stemmed, but i still think that a 50% deposit alone is not a risky loan.
hope my tone isnt of a threatening bullying tone.
do wah you sh1t stirrer im a fan.scream no i didnt know what a drawdown facility was and agree that is bad practise. screaming from beneaththewaves Joined: 30 Jan 05ut it's hard to feel bullied by someone trying to sound threatening on an anonym
Spoke to a financial person today he says my only option would be to pay outright or declare earnings to the tax man.
Might just stay renting instead now. Thanks for all the sensible replies they were helpful.
GL all.
Spoke to a financial person today he says my only option would be to pay outright or declare earnings to the tax man.Might just stay renting instead now. Thanks for all the sensible replies they were helpful.GL all.
If I still had that drawdown facility, I would by DDD and RR a pint so we could all be friends again.u
I agree 50% loan to value with no proof of income is a better risk from the bank's point of view than 90% loan to value with a job that might disappear tomorrow. Yet the banks are now happy to offer the latter but no longer the former.
The drawdown facility was a bit of an eye-opener for me as well. In those days they offered a maximum of 85% for self-certified mortgages, yet then went and effectively made them 100% mortgages as long as you kept up the interest payments.
If I still had that drawdown facility, I would by DDD and RR a pint so we could all be friends again.uI agree 50% loan to value with no proof of income is a better risk from the bank's point of view than 90% loan to value with a job that might disapp
IF YOU TELL THE TRUTH ,YOU CAN SLEEP AT NIGHT,AND YOU DONT HAVE TO WORRY ABOUT THE BOGEY MAN,YOU MIGHT NOT GET WHAT YOU WANT ,BUT YOU WONT HAVE TO WORRY EVERYTIME SOMEONE KNOCKS AT THE DOOR OR RINGS YOU UP
IF YOU TELL THE TRUTH ,YOU CAN SLEEP AT NIGHT,AND YOU DONT HAVE TO WORRY ABOUT THE BOGEY MAN,YOU MIGHT NOT GET WHAT YOU WANT ,BUT YOU WONT HAVE TO WORRY EVERYTIME SOMEONE KNOCKS AT THE DOOR OR RINGS YOU UP
SO HEY POT NOODLE KNOWS WHAT TO DO TO GET HIS MORGAGE
SO THE MORAL OF THIS THREAD IS,IF YOU TELL THE MORGAGE MAN YOUVE ONLY GOT INCOME FROM GAMBLING ,HE WILL TELL YOU YOU CANT HAVE A MORGAGE
IF YOU TELL FIBS (i dont like the word liar i call them fibbers)YOU COULD END UP IN PRISON FOR FRAUD,
SO HEY POT NOODLE KNOWS WHAT TO DO TO GET HIS MORGAGE SO THE MORAL OF THIS THREAD IS,IF YOU TELL THE MORGAGE MAN YOUVE ONLY GOT INCOME FROM GAMBLING ,HE WILL TELL YOU YOU CANT HAVE A MORGAGE IF YOU TELL FIBS (i dont like the word liar i call them fib
ITS TOOK 4683 VIEWS TO GET TO THIS POINT,AND IVE HAD TO TAKE VERBAL ABUSE,TO ALL YOU VERBAL ABUSERS YOU SHOULD BE ASHAMED OF TALKING TO A LITTLE OLD MAN OF 61,LIKE YOU HAVE ,YOUR A DISGRACE TO YOUR MUMMYS
ITS TOOK 4683 VIEWS TO GET TO THIS POINT,AND IVE HAD TO TAKE VERBAL ABUSE,TO ALL YOU VERBAL ABUSERS YOU SHOULD BE ASHAMED OF TALKING TO A LITTLE OLD MAN OF 61,LIKE YOU HAVE ,YOUR A DISGRACE TO YOUR MUMMYS
HE DIDNT HE WAS SUPPOSE TO COME BACK ON STAGE AND FINISH HIS ACT ,THEY HAD TO START THE BINGO EARLY ,BECAUSE NO ONE COULD FIND HIM,THEY PUT HIS LEATHER COAT IN THE FOLLOWING WEEKS RAFFLE
HE DIDNT HE WAS SUPPOSE TO COME BACK ON STAGE AND FINISH HIS ACT ,THEY HAD TO START THE BINGO EARLY ,BECAUSE NO ONE COULD FIND HIM,THEY PUT HIS LEATHER COAT IN THE FOLLOWING WEEKS RAFFLE
Hi noodles,went thru woolwich(barclays) they gave me a £280,000 mortgage we put down 66% deposit,got betfair to proof last 3 years earnings.This was only last october so it is definitely possible,good luck,if u need any more info just ask.
Hi noodles,went thru woolwich(barclays) they gave me a £280,000 mortgage we put down 66% deposit,got betfair to proof last 3 years earnings.This was only last october so it is definitely possible,good luck,if u need any more info just ask.
LOOK DO WAH DIDDY ,DONT TAKE NOTICE OF ANYONE ON A GAMBLING FORUM REGARDING GETTING A LOAN ,OR THEY WILL FIND OUT YOUR ADDRESS AND SEND YOU BEGGING LETTERS IF THEY THINK YOUVE SOME SPARE CASH TO GAMBLE .
LOOK DO WAH DIDDY ,DONT TAKE NOTICE OF ANYONE ON A GAMBLING FORUM REGARDING GETTING A LOAN ,OR THEY WILL FIND OUT YOUR ADDRESS AND SEND YOU BEGGING LETTERS IF THEY THINK YOUVE SOME SPARE CASH TO GAMBLE .
YES MR BANK MANAGER ,I KNOW YOUR RIGHT IVE SEEN THE JERAMY KYLE SHOW,AND IVE SEEN THEM ALCOHOLICS AND MEN WHOSE GOT 20 BABIES AND THEM GAMBLERS WHOS SPENT THE CHILDRENS DINNER MONEY,YES I KNOW THEY DONT LIVE IN BIG HOUSES ,UNLESS THERE SQUATTERS
YES MR BANK MANAGER ,I KNOW YOUR RIGHT IVE SEEN THE JERAMY KYLE SHOW,AND IVE SEEN THEM ALCOHOLICS AND MEN WHOSE GOT 20 BABIES AND THEM GAMBLERS WHOS SPENT THE CHILDRENS DINNER MONEY,YES I KNOW THEY DONT LIVE IN BIG HOUSES ,UNLESS THERE SQUATTERS
Cheers buddys, thats v interesting. Im going to wait now I might try Woolwich at a later date (although you did say "we" was it a joint thing?). I asked BF for 3 years records and they sent me every bet ive had in that time - rather than a weekly breakdown of earnings.
I thought the guy I spoke to was maybe a bit old school but he was adamant I should be declaring my income already.
Tbh all the distracions do is put you off the business on here so im going to try and forget about it for now.
DWD I cant read your posts but have you considered trying ATTENTION SEEKERS ANONYMOUS?
Cheers buddys, thats v interesting. Im going to wait now I might try Woolwich at a later date (although you did say "we" was it a joint thing?). I asked BF for 3 years records and they sent me every bet ive had in that time - rather than a weekly bre
HEY HEY POT NOODLE I WANT TO KNOW WOE WOE IF YOULL BE MY GIRL,IM IN ALCOHOLICS ANNONOMOUSE,GAMBLERS ANNONOMOUSE ,AND CADBURYS CHOCOLATE FINGERS ANNONOMOUSE,AND ANNONOMOUSES ANNONOMOUSE,I USED TO BE IN ATTENSION SEEKERS ANNONOMOUSE BUT THEY SAID I WAS SEEKING TOO MUCH ATTENTION AT THE MEETINGS
HEY HEY POT NOODLE I WANT TO KNOW WOE WOE IF YOULL BE MY GIRL,IM IN ALCOHOLICS ANNONOMOUSE,GAMBLERS ANNONOMOUSE ,AND CADBURYS CHOCOLATE FINGERS ANNONOMOUSE,AND ANNONOMOUSES ANNONOMOUSE,I USED TO BE IN ATTENSION SEEKERS ANNONOMOUSE BUT THEY SAID I WAS
I USED TO TAKE A TAMBOURINE WITH ME,BUT TWO OLD LADY SALVATION ARMYISTS ,KEPT FOLLOWING ME ,AND ASKED ME WHERE THEY COULD GET A COPY OF THE HYMNN WORDS
I USED TO TAKE A TAMBOURINE WITH ME,BUT TWO OLD LADY SALVATION ARMYISTS ,KEPT FOLLOWING ME ,AND ASKED ME WHERE THEY COULD GET A COPY OF THE HYMNN WORDS
Hi noodles yes "we" meaning me and my partner although the mortgage was based purely on my earnings they actually offered me a lot more as for betfair my premium manager got me the 3 year figures in a breakdown of month by month,they have people who can do this if uyou specifically ask for it,if you wanted i could give you the name and number of the chief mortgage adviser who dealt with my case,as she now knows how betfair works etc im sure she would be able to sort it out for you.
Hi noodles yes "we" meaning me and my partner although the mortgage was based purely on my earnings they actually offered me a lot more as for betfair my premium manager got me the 3 year figures in a breakdown of month by month,they have people who
buddys appreciate the offer a lot but i think im going to stick to renting now. The hassle has discouraged me and is putting me off my game. The cost of renting in London is outrageous (£270 a week for a one bed flat on an estate!) but im going to hope for a good year or two on here and then buy outright. If it doesnt go well then i'll have to get a job anyway so id have a taxable income.
Hope you get good karma for your betting for being so nice though.[;)]
buddys appreciate the offer a lot but i think im going to stick to renting now. The hassle has discouraged me and is putting me off my game. The cost of renting in London is outrageous (£270 a week for a one bed flat on an estate!) but im going to h
SELKIRK AGAIN IF YOUVE NOT GOT SOMETHING CONSTRUCTIVE TO ADD TO POT NOODLES QUESTION KEEP YOUR COMMENTS ABOUT ME TO YOUR SELF,YOUR JUST AN ATTENTION SEEKER LIKE ME,YOU WANT PEOPLE TO LIKE YOU BY PUTTING ME DOWN
SELKIRK AGAIN IF YOUVE NOT GOT SOMETHING CONSTRUCTIVE TO ADD TO POT NOODLES QUESTION KEEP YOUR COMMENTS ABOUT ME TO YOUR SELF,YOUR JUST AN ATTENTION SEEKER LIKE ME,YOU WANT PEOPLE TO LIKE YOU BY PUTTING ME DOWN
NO BODY WOULD HAVE GIVEN HIM ANY ADVICE ,IF I HADNT KEPT BRINGING THIS THREAD BACK TO THE TOP ,IVE KEPT IT ALIVE AND KICKING,I SHOULD BE PRAISED LIKE BRITNEY SPEARS
NO BODY WOULD HAVE GIVEN HIM ANY ADVICE ,IF I HADNT KEPT BRINGING THIS THREAD BACK TO THE TOP ,IVE KEPT IT ALIVE AND KICKING,I SHOULD BE PRAISED LIKE BRITNEY SPEARS
IT ONLY HAD 200 VIEWS WHEN I CAME ON,ITS GOT OVER 40000 ,NOW YOUR TRYING YO STEAL MY THUNDER,YOUR LIKE GIRLS WHO WRITE TO THE NEWS OF THE WORLD BECAUSE THEVE HAD A KISS OFF A FAMOUS FOOTBALLER
IT ONLY HAD 200 VIEWS WHEN I CAME ON,ITS GOT OVER 40000 ,NOW YOUR TRYING YO STEAL MY THUNDER,YOUR LIKE GIRLS WHO WRITE TO THE NEWS OF THE WORLD BECAUSE THEVE HAD A KISS OFF A FAMOUS FOOTBALLER
IT ONLY HAD 200 VIEWS WHEN I CAME ON,ITS GOT OVER 40000 ,NOW YOUR TRYING YO STEAL MY THUNDER,YOUR LIKE GIRLS WHO WRITE TO THE NEWS OF THE WORLD BECAUSE THEVE HAD A KISS OFF A FAMOUS FOOTBALLER
IT ONLY HAD 200 VIEWS WHEN I CAME ON,ITS GOT OVER 40000 ,NOW YOUR TRYING YO STEAL MY THUNDER,YOUR LIKE GIRLS WHO WRITE TO THE NEWS OF THE WORLD BECAUSE THEVE HAD A KISS OFF A FAMOUS FOOTBALLER
PS I WILL FORGIVE THOSE OF YOU WHO HAVE UPSET ME,AND WHEN YOU WANT TO APPOLOGISE,I WILL ACCEPT THEM. I WILL NOT BAR YOU FROM MY THREADS ,BUT I WILL PRAY FOR YOU,AND DEDICATE THE NEXT CUP OF TEA THAT I MAKE TO YOU
OF ALL THE THREADS ON THE FORUMS YOU HAVE TO COME ON MINE AND POT NOODLES GET YOUR OWN
PS I WILL FORGIVE THOSE OF YOU WHO HAVE UPSET ME,AND WHEN YOU WANT TO APPOLOGISE,I WILL ACCEPT THEM. I WILL NOT BAR YOU FROM MY THREADS ,BUT I WILL PRAY FOR YOU,AND DEDICATE THE NEXT CUP OF TEA THAT I MAKE TO YOU OF ALL THE THREADS ON THE FORUMS YO
i cant read your pointles drivel retard. Im just laughing at you STILL talking to your self, even the op has said you ruined this thread with your crap.
i cant read your pointles drivel retard. Im just laughing at you STILL talking to your self, even the op has said you ruined this thread with your crap.
WE SHOULD ALL BE GLAD FOR WHAT WEVE GOT THAT IS WHAT IS CALLED GRATITUDE
WHEN YOUR HAPPY WITH WHAT YOUVE GOT,YOU WILL SEE HOW CALM YOU ARE AND YOUR TUMMY WILL NOT HAVE A KNOT IN IT YOU WILL BE ABLE TO WITHSTAND YOUR CHILDRENS AND PARTNERS NOISE
BUT IF YOUR NOT HAPPY WITH WHAT YOUVE GOT YOU WILL BE IRRITATED AND ,JEALOUS ,THUBKING YOU DESERVE BETTER
SO BE GLAD FOR WHAT YOUVE GOT AND MAY BE YOU CAN LIVE HAPPEELEE EVER AFTER AND TRY AND SMILE
HAVE YOU NITICED THERES NOT MANY HAPPY PEOPLE WITH GRUMPY FACES
THE ABOVE IS AN ABSTRACT FROM THE LIFE OF DO WAH DIDDY
WE SHOULD ALL BE GLAD FOR WHAT WEVE GOT THAT IS WHAT IS CALLED GRATITUDE WHEN YOUR HAPPY WITH WHAT YOUVE GOT,YOU WILL SEE HOW CALM YOU ARE AND YOUR TUMMY WILL NOT HAVE A KNOT IN IT YOU WILL BE ABLE TO WITHSTAND YOUR CHILDRENS AND PARTNERS NOISE B
JUST THINK HOW LUCKY YOU ARE ,YOU CAN GO ON BETFAIR ALL DAY,WHILE THERES MEN IN THE SAHARA DESERT WHO HAVE TO TAKE THEIR CAMELS TO FIND SOME WATER ,AND THE DESSERTS NOT AS NICE AS ITS MADE OUT ,SOMETIMES THERE SAND STORMS
JUST THINK HOW LUCKY YOU ARE ,YOU CAN GO ON BETFAIR ALL DAY,WHILE THERES MEN IN THE SAHARA DESERT WHO HAVE TO TAKE THEIR CAMELS TO FIND SOME WATER ,AND THE DESSERTS NOT AS NICE AS ITS MADE OUT ,SOMETIMES THERE SAND STORMS
DO WAH DIDDY DOESNT LET PEOPLE UPSET HIM AS MUCH THESE DAYS,ITS NO GOOD DO WAH DIDDY BUYING CAMAY SOAP TO MAKE HIS COMPLECTION NICER ,IF YOU LET PEOPLE UPSET YOU AND MAKE YOU FROWN AND HAVE LINES ON YOUR FACE
DO WAH DIDDY DOESNT LET PEOPLE UPSET HIM AS MUCH THESE DAYS,ITS NO GOOD DO WAH DIDDY BUYING CAMAY SOAP TO MAKE HIS COMPLECTION NICER ,IF YOU LET PEOPLE UPSET YOU AND MAKE YOU FROWN AND HAVE LINES ON YOUR FACE
TUTEM KARMEMS DEATH MASK WAS FOUND,EVEN THOUGH IT WAS OLD IT WAS TREASURE,
WELL I WANT TO BE LIKE TUTEM KARMENS MASK AND PEOPLE SAY EVEN THOUGH DO WAH DIDDY IS OLD HES A TREASURE
TUTEM KARMEMS DEATH MASK WAS FOUND,EVEN THOUGH IT WAS OLD IT WAS TREASURE, WELL I WANT TO BE LIKE TUTEM KARMENS MASK AND PEOPLE SAY EVEN THOUGH DO WAH DIDDY IS OLD HES A TREASURE
THERE MUST BE SOMEONE LIKE ANDREW LYOYD WEBBER,OR SIMON COWELL ,OR RUPERT MURDOCH,OR BILL GATES , OR STEPHEN SPIELSBURG ,WHO COME ON HERE FOR THE ODD BET WHO COULD SEE MY THREAD AND SAY DO WAH DIDDY IS JUST WHAT IM LOOKING FOR
THERE MUST BE SOMEONE LIKE ANDREW LYOYD WEBBER,OR SIMON COWELL ,OR RUPERT MURDOCH,OR BILL GATES , OR STEPHEN SPIELSBURG ,WHO COME ON HERE FOR THE ODD BET WHO COULD SEE MY THREAD AND SAY DO WAH DIDDY IS JUST WHAT IM LOOKING FOR
THERES 5 PEOPLE ON THIS THREAD AND IM NOT EVEN FAMOUS YET,ALL YOU NEED IS TO GIVE MAX CLIFFORD A FEW QUID,AND HE WILL PUT ME ON THE MAP
BUT I DONT WANT TO POSE IN THE NUSE ,ESPECIALLY IF ITS COLD
THERES 5 PEOPLE ON THIS THREAD AND IM NOT EVEN FAMOUS YET,ALL YOU NEED IS TO GIVE MAX CLIFFORD A FEW QUID,AND HE WILL PUT ME ON THE MAP BUT I DONT WANT TO POSE IN THE NUSE ,ESPECIALLY IF ITS COLD
HE SAID EVERYBODYS ON TABLETS,I SAID WELL ITS NOT ALL BAD NEWS ,I BET THE GOVERMENT CAN GET A GOOD DISCOUNT FOR THE N H S IF THERES LOADS OF US USEING THEM
HE SAID EVERYBODYS ON TABLETS,I SAID WELL ITS NOT ALL BAD NEWS ,I BET THE GOVERMENT CAN GET A GOOD DISCOUNT FOR THE N H S IF THERES LOADS OF US USEING THEM
YOUR TRYING TO RIDEECULE ME LIKE THEM SKY T V PRESENTERS TRIED TO RIDECULE THAT LADY REFEREE,ITS NOT HER FAULT SHE HAS TO DRESS IN BLACK AND IT DOESNT SUIT HER ,ALL THE WORK THEY HAVE TO DO TO GET MAKEUP AND NAIL VARNISH TO MATCH THEIR REFEREES UNIFORM AND THEIR RIDEECULED,I BET SHE FEELS LIKE ME WHEN MY SKINS BLOTCHY
YOUR TRYING TO RIDEECULE ME LIKE THEM SKY T V PRESENTERS TRIED TO RIDECULE THAT LADY REFEREE,ITS NOT HER FAULT SHE HAS TO DRESS IN BLACK AND IT DOESNT SUIT HER ,ALL THE WORK THEY HAVE TO DO TO GET MAKEUP AND NAIL VARNISH TO MATCH THEIR REFEREES UNIFO
THEM WOMEN REFEREES NEED TO HAVE SKIN LIKE A RHINEOSEROUS WHEN THEM MEN START BOOING THEM,AND CALLING THEM NAMES,IT WONT DO THEIR SELF CONFEEDENCE A LOT OF GOOD
THEM WOMEN REFEREES NEED TO HAVE SKIN LIKE A RHINEOSEROUS WHEN THEM MEN START BOOING THEM,AND CALLING THEM NAMES,IT WONT DO THEIR SELF CONFEEDENCE A LOT OF GOOD
HAVE YOU EVER TRIED TO TREAT A SKIN THATS LIKE A RHINEOSSEROUS,MAX FACTOR DONT MAKE A MOISTERISER FOR LADY REFEREES WITH SKIN LIKE A RHINEOSSEROUS,
IT WOULDNT SURPRISE ME THAT IN A MILLION YEARS WOMEN REFEREES WILL START GROWING HORNS OUT OF THEIR NOSE WITH EVOLUTION
HAVE YOU EVER TRIED TO TREAT A SKIN THATS LIKE A RHINEOSSEROUS,MAX FACTOR DONT MAKE A MOISTERISER FOR LADY REFEREES WITH SKIN LIKE A RHINEOSSEROUS, IT WOULDNT SURPRISE ME THAT IN A MILLION YEARS WOMEN REFEREES WILL START GROWING HORNS OUT OF THEIR NO