Gift deposit help
Just looking for a bit of advice. This is the situation so far; I am a first time buyer House is up for sale for £45k (Repo) Annual Income £14,800 Debt of around £2000 on two credit cards and a loan...
View ArticleStamp Duty Confusion
Today we started on the journey of buying our first house through the 'help to buy' scheme. We found a house we love, we have a deposit, we can afford the monthly payments comfortably and just need to...
View ArticleFixed vs variable - am I missing something?
Hello, I'm after some informal mortgage advice :) The short version is: when looking on mortgage comparison sites, fixed rate over 5 years always seems to be cheaper than variable/other mortgages, yet...
View ArticleFA's a question please:your reaction to clients entering DMP?
Just curious but what was your reaction to finding out/their revelation to being on a debt management plan? Realistically did you think that your client had let you down after all the research and...
View ArticleNationwide - Save to Buy not accepted on New Build
We were nearly at the end of our full Mortgage application today, when the process was halted. Adviser was baffled as to why it wouldnt let her finish. We opened a Save to Buy account in April 2012...
View Articlewhat could my new mortgage repayment be???
Hi, I am just looking for some ball park figures and wonder if anyone could help. I have a mortgage of £85.000 and at present repay £540 a month. I will be coming to the end of a fixed rate deal of...
View ArticleFTB with partner with 2 defaults
I was hoping someone can help me here as I feel we have been badly stung with bad advice. I am currently on 25 k with a fair credit history, outstanding car finance of 3k, no missed repayments. No...
View ArticleRemortgage confusion
Hello guys, When you take a mortgage for the first time, you need to pay some of the house price and the bank will lend you the rest. But how about remortgaging? do you also need to pay something in...
View ArticleHow long to complete?
Hi was wondering if anyone could offer some advice? We made an offer on a house on 25th Feb, was accepted. 26th Feb, conveyancers instructed. Mortgage offered on 8th March. How long can we expect to be...
View ArticleHow to find out how much I can borrow? FTB.
Hello. I am 29 and live with my parents. I earn £25,500. I have a good credit history. I have no bills and pay no rent so I've managed to save a good sum for a deposit. I'm in the stages of thinking...
View ArticleWho will lend me the money I need
hi, I am looking for a bit of help before I actually apply for my mortgage. I have been using the calculators on mortgage providers websites to work out how much I can borrow. Are these calculators...
View Articlemortgage idea...info and help needed
I live in a village where the pub has come up for sale. We would love to buy it and turn it into a home (failed pub for a number of years with many landlords come and gone) for our family. We cannot...
View ArticleJoint Mortgage With Self Employed Partner?
Hi there My parrtner and myself are looking to go for a joint mortgage. I am in full time employment and have one mortgage in my name. My partner is a self employed mobile hair stylist and has only...
View ArticleCountrywide mortgage services
Hi does anyone have any experience of the above and/or recommendations. I only ask because we have had an initial meeting with a guy from this company, he said they charge a one off fee of £250 if they...
View ArticleRe-mortgage
hi Sorry if this has been asked before, but don't really know where to start, as I have never done with before and I know there is a lot of expertise on this site. Our mortgage deal is coming to an end...
View ArticleGetting Back on the property ladder folling repossession
Hi Just looking for some advice when i was younger i defaulted on a mortgage and had a property repossessed i was self employed and was too young to reliase the problems i was getting into i am now...
View ArticleRe-Mortgage advice
Hi I am helping a friend with his remortgage and thought I would post here. Not had amortgage in a while so thought I would check in with the experts. His details House Value : 200K Current lending :...
View ArticleFTB homebuy/help to buy
hey guys jus a quick one anyone know if you can get the full 20% equity gov loan if your deposit is bigger than 5% i.e i have a 10% deposit could i get the full 20% or would i only get 15% to make it...
View Articlee.surve woolwich mortgage survey
Hi im in the process for changing my existing property to a buy to let mortgage and buying another to do up and live in. Spoke to A woolwich advisor in a barclays bank went through all the paper work...
View ArticleChances of getting a mortgage? Defaults/CCJ
Ok so I was stupid in my younger years and got myself into debt and am now suffering the consequences. My debts have all been paid off and marked as satisfied in the last year. Fast forward a few years...
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