elise | homeowner era ✨
Region: GB
Monday 12 January 2026 07:47:21 GMT
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♛ :
how far back do they ask for bank statements?
2026-01-12 19:08:22
9
Mortgage Experts UK :
Mortgage broker here with 20 years in the industry 👋 great video but a job change isn’t as damaging as you think. The only time it really can cause a mortgage to be declined is if there is a change in contract type - ie going from a permanent job to temporary, or you are taking a pay cut. If it’s one job to another with the same or more income, still on a permanent contract - most lenders are absolutely fine with this 🥰
2026-02-26 18:10:12
3
Georgia Antonia :
So I recently in a car crash and my car was written off we are a week away from getting the keys when would be the best time to take out a new car finance because buying a car outright won’t be possible and I would need to commute to work?
2026-01-12 17:21:27
14
Mel :
What about current account? I know they do a hard search if you apply for a current account. Me and my partner need to open a joint account prior to moving
2026-01-12 13:45:20
23
chloe.explores :
This is a bit weird questions but would you apply for the mortgage in principal before you’ve got all the savings? So we’ll have our savings set by August so do I wait till then for the mortgage in principle?
2026-01-13 22:35:08
9
R@M1N :
Is it ok to buy a phone in full price? Also I have withdrawn some cash as we had a holiday and need some cash in case (around £400) is that ok?
2026-01-14 15:47:24
14
sarah123575 :
I am going through this now. But I have still used my credit card not a lot only £250 for reservation fee for a house since. Should this be fine ? It’s an existing credit card not a new one I’ve opened an account for. ?
2026-01-12 20:44:21
11
💗Sim💗 :
Mine took 7 months to complete just after covid and we had to send in our pay slips on a monthly basis to prove we were not on furlough. The process is really strict
2026-01-13 00:44:24
25
Amy Richardson :
At what stage do they ask for 3 months bank statements?
2026-01-24 12:02:37
5
towerhamlets45 :
Will they check all your bank accounts
2026-01-26 21:50:27
6
Rochelle :
Hello, what about using a credit card to build a better credit score but paying the balance in full every month, Max limit £250.
2026-01-12 14:15:31
12
Ella | Girl Mum 💗 :
Second I got the keys I got my new phone I held out lol jokes because the whole process for me from offer accepted to getting keys was 4.5 weeks 😌
2026-01-13 08:52:31
12
user4717558305980 :
What about remortgaging? We’ve had our mortgage 5 years with no problems. Why is remortgaging making me worry 😅😅🤣🤣
2026-01-14 21:36:08
5
sianay :
How far back do they look at your bank do you know?
2026-01-12 18:04:08
4
Anesu :
I’m going through a process of buying my first home very good video 👍🏽
2026-01-12 17:09:28
5
laurenstrike11_6 :
how far do they look back?
2026-01-12 18:54:00
5
Hajra Khan :
But I thought having a credit card increase credit score which helps mortgage applications so why would they not like credit when the whole system is built on it?
2026-02-09 18:37:35
0
Beth :
Once your mortage was approved did you still have to provide bank statements / wage slips ? Xx
2026-02-17 17:55:49
0
user6205061913623 :
Soo I have a DIP I’ve viewed a house and put in an offer. Now I’m waiting to hear back afterwards I’m going to ask fr a mortgage. Have I done this wrong? Should I have looked at a mortgage first then made an offer
2026-01-25 21:28:01
2
bianncabalan :
Does this apply to remortgaging too? Will it be a big deal if there is a booked holiday around that time and obviously spending will increse? Thank you!
2026-02-09 00:49:52
0
Cait 💜 :
I changed jobs to get a higher salary and therefore mortgage. 2 offers, 1 permanent and 1 6-month contract. Was advised to take the permanent one, luckily no issues. I am now back to my lower paying job
2026-01-20 21:53:00
3
🐨 :
So how can I make purchases without them having problems? Can I withdraw money from my account and pay in cash?
2026-01-13 17:55:40
4
mary_doestri :
what if you get a job in a new city and you want to buy there but you haven’t started yet?
2026-02-09 01:46:19
0
Robyn | Wife & Dog Mama :
So are they doing the checks when you apply for the mortgage? Or when the house is about to go through? Sorry if you’ve already answered that!
2026-01-18 20:17:48
0
UK beauty :
Hey does it affect if you hopefully going for maternity pay ?? If just in process of house hunting
2026-01-13 17:21:07
2
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