This lady should be charging tonnes of money for giving this kind of valuable information. Wish I had seen this kind of video 10 years ago. I would have my own house now..

@moniquejennadray46

2 жыл бұрын

Me too! I agree Nicola is an absolute gem.

@dm.mortgage

2 жыл бұрын

Thanks Monique ☺️

@alpeshkumarnauchandra2907

2 жыл бұрын

​@@dm.mortgage one is how well WWE wrestling are on 1 WWE wb9vh9pohwh9oo19johpoop regards to ol hippocampal pp az

Honestly this is the best advice. I am currently working with DM at the moment, they have helped me with every mistake Nicola mentioned avoided. I am better placed now with my purchase and hoping all goes well. Thanks Nicola 😊

@dm.mortgage

3 жыл бұрын

Pleased to hear Adenike and thank you! ☺️

Great advice - a lot of information in this video that I’ve not heard others talk about before and I watch a lot of these types of videos 😊👍🏽

Excellent video! Your presentation is very clear and concise, unlike most other people on KZread who give advice about buying a house.

Thank you so much for doing this . I’m checking and is being very helpful.

Very informative!! Thank you! I am learning a lot from this channel!

You are amazing, I like your thorough and clear way of explaining things

Excellent advice, delivered in a professional and friendly succinct and eloquent manner, and your energy and bedside manner is very assuring comforting and personable. I`m not yet ready to start my property journey, but when I am I will look you up, thank you and God Bless :)

Always very informative thank you so much Nicola 🙏🏼

Hi Nicola, watched a few of your videos and find them very clear and informative. I am currently looking to buy my first home but don’t know where to start there’s so much crap online that it’s a bit overwhelming.

I have watched a few of your videos now. I would seek you out the next time we go to fix a new deal. I know there are others without a fee to the client, but it looks to be minimal. And I like your approach and advice here. Thanks.

Very informative and well explained.

This was super helpful, thank you!

Hi Nicole Good to hear all such information. I need to book an appointment for sure. Wish you can guide me through ...

great video! I would love to hear more about doing the right steps in correct order. You've spoke little bit to it, but perhaps a video dedicated to it ? (if not already in your lbrary?)

God bless you Nicola 🙏🏽...wonderful informations...I won't think of going to buy something without contacting your office 😀 🙏🏽

Thanks for your advice.

Incredibly informative as usual. Thank you Nicola.

@dm.mortgage

3 жыл бұрын

Thanks for watching Joe and pleased to hear you found it useful ☺️

Great advicece... Thank you

Hi Nicola, why does no one ever mention that you need to check that your solicitor is on the lender's panel before instructing? Everywhere says - as soon as offer accepted, instruct a solicitor by reading reviews/getting quotes/recommendations from friends/family...no one mentioned this to me and now I'm in a position where my chosen lender may not have my chosen solicitor on their panel.

This video deserves 0 dislike. Thank you, very informative.

Great video Nicola! First time buyer here, lets say you get an AIP approved for £325k, and the house is worth £350k, but you want to offer less than its valuation. Should you still show the seller/estate agent your AIP for a higher mortgage amount? Or is there risk the seller will see this as an opportunity to increase the price? Hope this makes sense, Thanks in advance!

you right 100% in all you video but but but I think the banks are asking to many questions and they are taking to much time to answer to an offer like santander bank, I lost a property with was valuate at 650 and I was supposed to but it 475 with 25% up the ask the same question over and over and over and the. seller put the property on the Market and was sold in 9 days and I lost all still paying rent

Great video. Do you have a video you could link relating to the insurance/mortgage protection part that you mentioned?

@dm.mortgage

3 жыл бұрын

It is scheduled for release later this week! Meanwhile here is a useful one for you; kzread.info/dash/bejne/d3yOzJuzesuZdrQ.html If you need advice on your mortgage protection options you can also book a free of charge appointment and we would be happy to help guide you; www.DM.mortgage Our insurance service is free!

Thanks for sharing

Thanks a lot - it’s one of the most informative video for FTBs.

@fiziparadise7808

3 жыл бұрын

Hi Nicola, I need specific advice about how to improve my credit file please. I checked my record on checkmyfle today and it’s just fair, although I’m not on electoral registration. I’m saving towards my mortgage deposit and I want my credit record to improve in few years coming before affordability assessment.

@dm.mortgage

3 жыл бұрын

Hi Fizi there’s a video on the channel ‘How to improve your credit score’ check it out that should help you.

@fiziparadise7808

3 жыл бұрын

@@dm.mortgage could you send the link please? I have searched but I can’t find it!

@dm.mortgage

3 жыл бұрын

Sure! ; kzread.info/dash/bejne/mqF7w5SPYNKxcqg.html

Great advice

Great video! Thank you. You mentioned the benefits of the order you need pay for things in the process, but didn't actually say what the correct order is, please can you share more?

@dm.mortgage

3 жыл бұрын

Hi Aloe! Please check out my video ‘House Buying Process explained’ which you can find here; kzread.info/dash/bejne/n3Wfy7mkdauqcZc.html When you are ready to start your journey this is what we guide you through - the Whole process! So book a free of charge appointment here and we would be more than happy to help! www.DM.mortgage

@aloemckenzie1689

3 жыл бұрын

@@dm.mortgage thank you!

After watching this I will go ahead and contact your company to book my appointment 👊🏾👊🏾

@dm.mortgage

Жыл бұрын

We will look forward to assisting King!

Very interesting video Nicola. Do you do a video on hard and soft credit checks?

@dm.mortgage

3 жыл бұрын

Hi AJ, I have not got a video on this subject - though if you have questions please feel free to call and have a chat on 07887714230 or email Nicola.mckenzie@dunham-mccarthy.co.uk

@aj7803

3 жыл бұрын

@@dm.mortgage thanks Nicola.

Hi madam.please can you take about next time buyer mean we dont have a property example I lost my property 6 and a 1/2years a ago buy again.tips please .helpful for others as well.

How much deposit is required for a person on spouse visa in Natwest and Barclays Bank?If it is joint application and other applicant(wife) is British national.

such a great video Nicola thank you. We are still saving more money for our deposit. I have a question regarding new build properties, if you find a 3 bed house that is south east of england and you would like to use the help to buy equity loan, but the property is over the maximum property price (because they all are, houses are more expensive than this limit) how does it work?

@dm.mortgage

3 жыл бұрын

Hi Helena, glad you found it useful! The house has to be under the price cap - if not then you have to purchase using a traditional method of purchase (ie - without the help to buy scheme) without the scheme then you need a minimum of 10% deposit currently and the rest would be made up with a mortgage.

Hi Nicola, love your content! I had a quick question. I am a first time buyer looking to purchase a BTL property for £175k. I know I don’t have to pay stamp duty on that since it’s my first property, however will I have to pay stamp duty is I was to buy a residential property after? Thank you

@dm.mortgage

3 жыл бұрын

Hi! Yes you would pay stamp duty initially as a home mover at the normal stamp duty rate, if you purchase additional properties you would then pay it at the additional stamp duty rate. If you need help with your calculations and the purchase in general you can book a free of charge appointment at www.DM.mortgage and we would be more than happy to help!

Hi Nicola, thanks for this great advice. We have enough savings for a deposit but at the moment my partner is the only one working and so we can’t afford to borrow enough money a property. We think we might be shy of 20-30K in terms of affordability. Would a guarantor help us borrow more money? Thanks!

@dm.mortgage

3 жыл бұрын

Yes Carmen a guarantor might be of help to you, get in touch if you wish to find out more about your options. www.DM.Mortgage

@Nicola , Thanks for the great video. I have a question. Will the mortgage provider (ie bank) will provide me with mortgage insurance/protection or do I need to go to a different vendor ? Also, you did not speak about home insurance. When do you think should we ideally buy that ?

@dm.mortgage

2 жыл бұрын

Hi Ayan, I would strongly recommend not to go through your mortgage provider as options are very limited (only one insurer they will consider) We are a broker so provide options from many insurers and also provide advice,guidance and a free will writing service. Our insurance service is completely free of charge and you can book an appointment here; www.DM.Mortgage Buildings cover and other insurances should be applied for around the same time as your mortgage.

@rudejude87

2 жыл бұрын

You need to have the insurance in place when you conclude missives. Most people think it's when you get the keys, but you're actually liable from when the missives are done.

Nice vedio

You are amazing. Those who gave thumb down are definitely deaf. Thank you

@dm.mortgage

3 жыл бұрын

Thank you Charmyn ☺️

@charmyni8847

3 жыл бұрын

I booked an appointment and was contacted very quickly. Looking forward to my appointment. Absolutely amazing

@dm.mortgage

3 жыл бұрын

Pleased to hear Charmyn, we will look forward to helping you with your enquiry 👍

If your earning 25k can you get a house or a mortgage

Hi Nicola , is getting housing benefit can affect getting a mortgage and why? Thank you 🙏🏼

@dm.mortgage

3 жыл бұрын

Hi, you would usually not receive housing benefits after acquiring a mortgage and a lender would not usually take it into account for affordability.

@chruni8908

3 жыл бұрын

So that’s good then thank you !

Nicé

How much deposit do I need pls

@dm.mortgage

3 жыл бұрын

Hi Satinder currently minimum of 5% is required though you may need more based on circumstances so you ideally want to get advice - www.DM.mortgage to book a free of charge appt. You can also watch a video on this topic here which may help you; kzread.info/dash/bejne/gJqWxdqRppaspLw.html

@satinderkaur4453

3 жыл бұрын

@@dm.mortgage Thank you Nichola for responding so quickly . God bless you

@t.m3070

2 жыл бұрын

Hi Nice video with lot of info . Have a question, I had a jointly mortgage with my brother and property was rented now it’s sold and now I want to buy a house to live in, will this be considered as first time buyer ? Will I need to pay stamp duty ?

@dm.mortgage

2 жыл бұрын

Hi T, HMRC would not consider you a first time buyer for stamp duty. Some mortgage lenders would in terms of the products they offer - this would depend on the lender and how long ago you would the property. www.DM.Mortgage

@hafizmuhammadsuleman2276

2 жыл бұрын

@@dm.mortgage Ji

Love u beautiful

I’ve had a mortgage in principle found a property placed a offer. Offer accepted broker has put me in touch with a solicitor provided proof off deposit and paid for all searches on the property just waiting on mortgage approval fingers crossed if it fails I’ll be forced to be homeless due to my rent reaching £1200 when my mortgage would only be £815 fingers crossed 🤞