East Kilbride News.I’d like to provide an insight into what you should consider when planning to take out a new mortgage, whether it be buying a new home or simply remortgaging your current property.First and foremost, you should always consider what your parameters are in terms of purchase price/property value and the deposit or equity you have.Lenders will assess your application based on various factors, but mainly your income and any outstanding credit commitments you have, such as loans, car finance and credit cards.A general rule of thumb with most lenders is they use 4.5 times your income to determine the approximate mortgage lending they will consider, but there are exceptions to that with various lenders.The next thing to think.
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