First time buyer
Hello I'm just looking for advice/ people's opinion as to if i could get a mortgage I'm 21 and i am a first time buyer Ive seen a house i really like priced at offers around £65,000 (what would be a...
View ArticleInterest Only Overpayments
Hello everyone and thanks for looking.... I have a buy to let mortgage on interest only, balance is approx £66,000 and interest rate is 4.9% (£270 monthly payment). The property is not currently...
View ArticleCan I??
Looking to downsize house and have mortgage. Can I for exmaple pay most of the mortgage off with funds from house sale and "port" say £20,000 to the new property with the aim to pay that off in 6...
View ArticleHow important is credit history when applying for a mortgage?
I have £20,000 to use for a deposit towards a mortgage on a property, I am looking at properties in the £200,000 range with a yearly salary of £60,000. I have minimal credit (a credit card that I have...
View ArticleHelp To Buy
Hi, Hopefully a straightforward query which someone has came across since the HTB scheme was introduced. If we were looking at a home which was priced for example at 200k, with a less 20% figure taking...
View ArticleShare your mortgage process
Hi all, Me and my partner are FTB and I wanted to get an idea of what happens next and how long it can take to get to completion. So far our time line is as follows: Thursday 28 February -DIP Monday 18...
View ArticleIs it possible to plead your case direct to underwriters?
I want to downsize my house and therefore mortgage, but don't meet current lending criteria. Having had no late payments on this mortgage on a large amount and now want £50k less, does anybody know if...
View ArticleMultiple bank accounts and credit record cleansing
Hi all, Hoping for a bit of advice here re: bank accounts and their affect on both credit records and mortgage applications (banking with lender). Originally posted the question in the Nationwide Save...
View Article"of no fixed abode"
Hello again - just looking for an opinion on this please, as I had an email last night that means our house-purchase is back on track! We sold our house at the end of January and moved out, without...
View ArticleShared ownership offer seems crazy
Hi there I've just applied for a shared ownership scheme in South Manchester to get on the housing ladder. They've come back with an offer of me taking a 75% stake. Using their own calculations, as...
View ArticleShared equity schemes
Is the % that you buy negotiable? Or does it depend on the area and company that organise the scheme? Just wondering if they give you a designated % that you can own, or if there's any wiggle room :D...
View ArticleFirst Time Buyer, help us please !!
Hi guys I would really like some help please. :o I am a First Time Buyer currently wanting to buy a new build with someone who will be classed as a 'home mover' , she has a mortgage with her ex and...
View ArticleExperian
Hey guys, I am a first time buyer and I am looking to buy my first property soon. I understand that I need to have a credit report in order to see if I am eligible for a mortgage. I can see that it is...
View ArticleBe careful.. Halifax Valuation Con??
Self employed (SE) , trying to mortgage new build (not yet built) house utilising first buy scheme through intermediary. Halifax gave AIP and within days had the surveyor out to sales office, looked at...
View ArticleComplicated mortgage...
Hi, Please forgive the long post. This is my first one after trawling through the boards looking for some advice. We have got ourselves into a bit of a mess. The situation is as follows: Husband and I...
View ArticleUnique situation with owning a house/buying another.
Hello I've got a pretty unique situation which I'll detail below:- My parents were in quite a bit of debt in 2007 and were going to sell their house to one of those companies that (before the crash)...
View ArticleFTB - First Direct / Halifax application
Can someone tell me which would be cheaper, also seeing that FD have no branches how would you open and maintain it? 1.First Direct - 1.88% above base for term Admin fee: £599.00 2.First Direct - 2.29%...
View ArticleChanging bank accounts
Hi all, I really want to change my bank account (had enough of Santander they were good as Alliance and Leicester) but I will be getting a mortgage of my own in the next few months (after coming off a...
View ArticleBuy to let mortgage - interest reduction based on LTV
I received a letter from Leeds Building Society saying that my interest rates might be too high given my LTV. I had to send my tenants agreement over for them to review and they have decided that i am...
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