鬚仔，keep up the good work! As not a property surveyor or mortgage broker yourself, you are doing well in trying to explain all these. 我今次見到好多新嘅香港買㗎，好多基本嘢都唔識，講多啲同大家分享吓！Good on you, mate!
You are a good man! As a property surveyor myself and I have been dealing U.K. properties for more than 25 years ( mainly for hk clients) and I station in hk at the moment. From U.K. bank’s perspective, a mortgage valuation is “ 如果你今日冇錢供樓，銀行要收回，銀行會做一個股價- based on 如果要將這物業即時放出市場發售，可以買到幾多錢？”. 各位大家記住，買來自住或收租，覺出嚟都會有分別。
Surely if Lung Gor has a permanent job and steady salary income he should be able to get a residential mortgage in UK. Estate agents in HK are more eager to do deals because they get commission from both the purchaser and seller, which in UK is deemed a conflict of interest. Most estate agency do hire part time people purely to do the viewing so it’s common that they do not know the property details and do not comment or “sell” the good points about the property. Hence some sellers opt for a cheaper agency package and do the viewings themselves, that way they can at least show and tell the viewers what’s good about the house they’re selling.
Typically, the minimum requirement is two year employment history. However, you may be able to qualify for a mortgage with any shorter history /self employed if you have other ‘compensating’ factors.
