Woolich changed their porting rules - some advice please.
Guessing you all know as apparently it happened a few months ago - Woolich used to let you port your mortgage to another property with up to a 6 month gap between completion of the sale of the old...
View Articlenew build - no NHBC, just architect's cert
Hi Am viewing a 2 bed new build later today, but when I asked EA about warranty, they just said it had an Arcitect's Certificate 'because the place is too small to get a NHBC.' Does that sound right?...
View ArticleTitle Deeds
I was just wondering if people actually get a copy of their title deeds for confirmation after purchasing a home? I have only seen the deeds when I purchased my house when it was still in the name of...
View ArticleMortgage renewal
My renewal is due in june so starting to look for rates now, i understand literally nothing about it all so just want a point in the right direction, im currently with santander, so anyone got any good...
View Article17 Months remaining on 5yr fixed - feasable to change deal?
Hi, We have 17 months left to run on a 5yr fixed deal. Our rate is 6.5% and i wondered if there could be a possibility of buying out of it somehow and changing lender. We owe £134k and the house has...
View ArticleLetting my home - mortgage process? (Nationwide)
Hi, I've previously asked if people thought there would be an issue with letting my property/mortgage and it seems getting permission is generally ok with a little bump on interest rate. I want to ask...
View ArticleJob and Mortgages
Hi, My hubby and I want to move. When I phoned our current mortgage company a few months ago to ask if them would include temporary contact jobs in getting a mortgage I was told they would providing I...
View ArticleLSAP and FTB
hello all, Me and my wife are almost in a position to start the long process of home buying. The figures are I earn £31365 Wife earns £5382 Can we count child benefit at £1742 per year, in income? We...
View ArticleFirst time buyer - Difficulty as self employed?
We saw a beautiful home, leasehold, £170,000 Unable to get a mortgage as self employed - obviously pay as little dividends as possible. We definitely make enough and can afford it, so is there a way...
View ArticleFinal bonus rate conundrum
Hello there, I've just received my final annual statement for a Friends Provident (now Friends Life) endowment mortgage I took out 24 years ago. You'd think by now I'd be able to understand them. Alas,...
View Articleconvert to BTL to buy new property?
Hi all, Our current property is valued at £350K, has a residential mortgage of 150K, and has been rented out for 21/2 years. We bought it to live in but someone broke in around completion and...
View ArticleShared Ownership Mortgage
Hi, I am looking for some advise regarding our situation. We currently have a shared ownership flat which we purchased in May 2008 for £175k. We have a 30% share (£52500) with a 25yr shared ownership...
View ArticleHalifax Mortgage Process
This is my first time posting on here as after a search of tge forums I can't find the answer to this. I've recently applied for a mortgage through a broker with Halifax. It's 90%ltv but lower than my...
View ArticleBorderline LTV on remortgage
Hi. My 5 year fix is nearly up and it is most likely we'll be remortgaging to a new company. Our house has lost a little value since we purchased it so we are still around the 90% LTV we started with...
View ArticleReassement of mortgage amount when moving house
Hi all Newbie here, please go gentle on me :beer: We have a pretty good mortgage product (that we'd like to keep) and we're looking to move house. Since we took out the mortgage our circumstances have...
View Articlemonthly cost of btl mortgage
roughly how much would a btl mortgage of £60000 cost me a month? maybe if someone could quote repayment and interest only prices would be good for comparisson. thanks.
View ArticleHigh rise flats mortgage
Hi, Looking for some advice on gaining a mortgage for an apartment in a high rise block. I am a first time buyer and looking to put down a 10% deposit but I am coming to understand this may be quite...
View ArticleSantander mortgage application - applying for new job
My partner and I are moving house and have to take out a mortgage with our current lender, Santander, to avoid an early repayment charge (ERC) due to an existing fixed term mortgage. We can't apply for...
View Articleplease take a look because i cant understand how overpaying would work out
hi, now if a mortgage of 30,000 over 15 years was 237 a month. or over 10 years for 318 a month, my question is could i take it over 15 years but overpay it - instead of the 237 a month ,i overpay it...
View ArticleRising value of Endowment. Is this normal?
Eleven months ago (April 2012) I obtained a surrender valuation for my L&G with profits endowment, figure given was £18,255. Requested another valuation this month (March) and figure given was...
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