Hi, we bought off the plan pro

NSW 2217

May 20, 2018

NSW 2217

May 20, 2018

Hi, we bought off the plan property last year and gave 10% of the land deposit and 5% of building deposit. Our land gets registered on this September and we have to look for a bank for finance. Here is the situation, I’m a full time worker and I earn $77K per year and so does my husband and earns $85K, however my husband had few credit cards by then didn’t have full time job. Therefore he Did debt agreement to payoff his debts and we were not sure will be buying property now. I believe it will impact to apply loan do you have any suggestions? By the way he is paying off his debt on weekly basis in a regular basis with good deal.

Glenn

2 years ago

Hi Rose, I hope you're well and thank you for your questions? I would like to say that I deal with situations like this regularly and if you require some experienced help in regards to your questions and concerns, please get in contact through my profile link? I have access to over 40 lenders and some of these lenders will help you regardless of your concerns and issues raised. I would start with getting in contact and then providing more information such as a copy of your husband's EQUIFAX Credit File Report and I will also provide some questions and documents for you to complete which assist me in finding you some solutions and options for you and your husband to progress things and to finally settle your purchase as needed? I look forward to hearing from you and if I don't hear form you, good luck with your goals? Kindest Regards. Glenn Rowan Senior Mortgage & Finance Broker

Lee

2 years ago

Hi Rose, thanks for your enquiry. I suggest you firstly complete a borrowing capacity and calculate the remaining funds required to complete the purchase and construction. Then we can shortlist lenders who would consider your application and go with the best one to suit your needs with the cheapest overall cost/rate. Feel free to get in touch if i can assist you further Rose. Regards, Lee Boserio

Lisa

2 years ago

Hi Rose, thank you for your enquiry. I have several lenders on my panel that will cater for clients that are in a debt arrangement. It is actually quite a common occurrence and lenders are very understanding if there is a reasonable explanation. Please contact me via my profile page and I am happy to provide some options. Kind Regards, Lisa

Sharon

2 years ago

Hi Rose Your husband paying the debt on time is positive and shows good payment conduct. I'd be happy to help arrange your loan, feel free to contact me. Warm regards Sharon

Ashok

2 years ago

Hi Rose, I don't see it would any issue,let me know if you like to be assisted further.Cheers,Ash

Eddy

2 years ago

Hi Rose, I suggest you request a free credit report for yourself and your husband to see if there are any impairments on your file. You can get a free one from equifax. That will be your first step. Regardless you will still be able to borrow to buy, subject to your servicing ability. If you need further help, contact me through my profile.