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Christian Said:

Is credit pull by multiple lenders within a 30 day period reported as one pull on credit report?

We Answered:

All inquiries will show on your credit report. Multiple inquiries from different mortgage or car lenders will only be considered as one in your score calculation. This takes into consideration that people shop for finacing for these large purchases and are not really looking for multiple mortgages or car loans.

However, it is a different tale with credit cards and any other type of loan. Since you could very well get multiple credit cards or other loans.

In the schedule that you listed, applying for a mortgage, car loan, personal loan, and 4 credit cards in a 30 day period, won't be going well for you. Creditors will take one look at all those applications for new credit and decline your application.

It is never a good idea to apply for any other new credit lines when you apply for a mortgage. All that potential new debt means your debt to income ratio is likely to be outside their requirements.

Bryan Said:

Which Self-Cert Mortgage broker is reliable in London?

We Answered:

I cannot offer an answer for the first part of your mortgage, most brokers will offer self cert as most mainstram lenders are now offering a self cert option via their specialist lending companies, which can cause consumer confusion as most are names which are not familiar to the lay person and only people working in the industry. I know of a great 2 yr fixed with accord mortgages who is the specialist lender of Yorkshire Building Society - fixed for 2 yrs at 4.99% a prime product you could acheive approx 4.47% with nationwide (subject to conditins of course) so all in all compares quite well I think. Hope this helps with part of your question.

Karen Said:

Does anyone have an E*Trade (Etrade) mortgage?

We Answered:

I found nothing pleasureable in being indebted. I'm not sure how else to answer your question. It sucked.