We are a family of 5, good income, renting at the moment. We don't have family to help us out with a deposit and we don't want to take 3 credit cards out and stick a deposit on them as on EA advised.
So with the deposit we have the max we can borrow is 130000. We aren't interested in buying a house to make a profit we just need somewhere to live! We have found a house thats been on the market for a year and a half, dropped from £185000 to OIEO £100000. We went and viewed and have offered £100000. When I phoned to make an offer the EA tried to make me have an appt with their mortgage advisor. I informed her that we had a MA already and weren't interested, could she just pass the offer on to the vendor.
Two days later she phones back and opens with 'so when can I make an appt with the mortagage advisor' I reiterated again that we didn't want an appt and asked what the vendor said about our offer. She then informs me that she hasn't passed the offer on yet as 'I have a number of offers and another viewing today and want to pass them all on together' she then said 'but if you were to have a mortgage with us it would but you at a direct advantage with the vendor'
So shes basically saying that if we had a mort with her she would talk our offer up to the vendor? If indeed there are any other offers!
I am not interested in playing games, we just want a house we can live in as a young family instead of paying rent every month.
Any advice here?
Thanks for reading