Handelsbanken v Main Street Banks/BS Mortgages
Hello All, I'll soon be venturing down the Buy to Let Mortgage path and I've been shopping around for best mortgage rates. One fella I went to see got in touch with Handelsbanken and put forward my...
View Articlegetting my head round switching to BTL mortgage
I currently live in a house worth 120k with a 65k residential mortgage on it I've seen a house I would like to move to, and would have to pay 150k for it assuming I transfer my current 65k residential...
View ArticleBritannia - very disappointed with
I saw an excellent fixed rate mortgage deal back in February with Britannia. Went through the application over the phone and then received a letter asking for all my documents. As my husband is self...
View ArticleOverpaying mortgage to then have some additional borrowing
Hi, i hope someone can help! We would like to take out some additional borrowing on our mortgage for a loft conversion but currently Nationwide wont let us as we haven't paid off enough of our mortgage...
View ArticleBest way forward? NRAM customer.
Yup, I took a together mortgage in 2006 which equated to 109% LTV. We took it out knowing our income would rise dramatically in a short space of time so affording the mortgage was never a concern....
View ArticleFTB mortgage with CCJ
Hi all, I've been on before asking about mine and my Husband's chances of getting a mortgage when he has a (very recently paid off) CCJ for about a thousand pounds on his credit file. We are waiting...
View ArticleMortgage advise (fear of being declined)
Offer on a house has been accepted. We are first time buyers who have are aiming for £15% deposit with £450 mortgage repayments (£200 cheaper than rent!) Myself and partner have a Decision in Principle...
View ArticleA Naive Mortgage question
When you apply for a mortgage and you have to list your outgoings, do you include your rent. My mate says you do, but I don't think so as that outgoing would be the mortgage repayment instead. Who's...
View ArticleHelping my parents
Hi MSE Forum-ers, Long time reader, first time poster. My parents now need a little financial help. They would provide an 80% deposit and I would pay the remainder through a mortgage. Deeds would be in...
View ArticleShould I reduce high CC unused limit for mortgage app?
Hi I'm in the process of applying for a mortgage and have a CC with a £18K limit (4K balance). I am playing this off 250 per month but wondered if it would help to reduce the limit to £10k so that I do...
View ArticlePreparation for mortgage chat :)
Ok this is going to sound daft to many people but I wanted to ensure I have the main basis covered. I have arranged to see my bank on Tuesday for a mortgage chat(don't intend on asking for AIP/DIP)...
View ArticleFix or not
Hi all, After some opinions. Currently on SVR at BoE +2%. Can fix at either 2.49 or 2.59 depending on LTV for 4 years with £900 fee. With a growing family I like the idea of fixing for 4 years for £225...
View ArticleProof of deposit with nationwide
Does anyone know if nationwide will require proof of deposit for a FTB? Also if they do in what format. I have money in about 5 different accounts.
View ArticleFix for 2 or 5 years? Not usual scenario
I have an AIP as a FTB and rates available to me are 4.69% @ 2 years or 4.64% @ 5 years (the SVR is 3.99%) - I am self-employed. I'm applying on my own even though I'm married (wife has defaults)....
View ArticleFriend stuck with NRAM
Hi, Don't think he has many options, but you never know. My friend is stuck on NRAM SVR @ 4.79% with a very high LTV, I'm guessing it's 90-95%. Add to this the fact he left his job to become a care for...
View ArticleTenancy agreement required before rental income considered for 2nd home...
Hi, I want to take a 2nd morgate to buy a house and rent out my flat which still has a mortgage balance (will be obtaining a consent to let from halifax for this). Spoke to nationwide yesterday and...
View ArticleRelationship Break Up - Joint Mortgage Advice
Hi All I know there are a couple of these already but advice seems different for each case. In November 2012 I have split from my partner after suffering from anxiety and depression and resulting in a...
View ArticleBuying my second home and renting my flat out.
I am trying to get my head around what is best to do right now. I bought my flat for 97k back in 2007 on a 100% mortgage. The mortgage stands at £83'799 and I reckon the flat is now worth £90k. I now...
View ArticleMortgage or Loan, unemployed but own home outright
Hi Hoping for some advice please! DH and I paid off our mortgage at the end of 2011. I estimate that the property is worth c£250k. DH is currently employed. I am a SAHM. DH is planning on giving up his...
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