没有永久居留，工作签证， TSB说不能贷款(推荐了一个broker，估计也有可能贷到款)， HSBC愿意贷款，选了Homestart, first buy

fixed rate of 4.99% (have to pay one-off 599 pounds fixed rate booking fee) for the first two years, interest only

HSBC's standard variable rate, currently 5.75% applies after this fixed period ends for the remaining term of the mortgage，capital repayment.


This means pay back 1.93 pounds for every 1 borrowed, the overall cost for comparison is 5.8%APR

是不是很贵阿？不过至少能贷到款了，下一步就是要各处去比较哪里能借到便宜些的mortgage.

可以选4。99%两年后再转到其到便宜点的银行去，不过唯一风险是不知道两年后的利率是多少，有可能会比现在高很多，也有可能比现在低很多，所以有得有失，我们是要的5年FIXED FROM ABBEY。

楼主你好！恭喜你找到贷款！
小弟也在考虑贷款，有几个问题，希望能得到帮助！

1。请问你的工作签证是几年的？还有多长的有效期？你的年薪是多少呀？你贷多少？首付多少？

2。你去和他们谈的时候，他们都问你什么材料？几个月的工资单？bank statement呢？他们多长时间给你的答复？

我也开了个帖子，有我的情况。欢迎捧场！
http://lkcn.net/bbs/index.php?showtopic=109771

看这个没用的, APR 也没什么参考价值. 没有人守着一个Lender 20年或是25年的, 所以你要把fix 那几年算好了.

唉，前几周利息暴涨，我3月底作quote的时候还是3-year fixed 4.79%，选好了房再办mortgage的时候就涨成了5.29%，哭啊...

最近媒体都在说央行要加息了!

I think you should take it as you can get one ,you can always change later ,but still need stable in come and also you ll charge by the new morgage lender about 500pounds service extra,if you switch it .

哪个媒体啊? 担心中....

I can also choose 3 years fix rate, it seems that longer fix rate is better? But note that lower rate is interest only, which means that I have to pay more after this fix rate period. I have to calculate these different mortagage.

I have 3-year work permit, my husband is in his first year HSMP. HSBC can offer 3.5 times of our househould income. (my salary+ my husband's salary) . It seems that they don't care how much you can pay for deposit because they calculate how much they can lend you, then ask for how much deposite you can put in. I think that if you can pay more, you can buy higher value property.

We have only been in UK for 6 months. I feel lucky that HSBC can offer us mortgage. TSB said they only offer mortgage to PR holder.


The staff will ask your household income (after tax), you monthly expence (bills, how much you spend in credit card), employment (is your salary directly paid into current account, it does not matter which bank you paid in), credit card. The bank's computer system will deal with the application (including credit check), then give the decision on the spot.