What Happens Next
Just made a full mortgage application and paid for valuation fee. So What happens next? How long do I have to wait to see if its being approved. I`m first time buyer sorry for the questions.
View ArticleHigh legal fees - are they fair?
I am in the process of completing on a mortgage, but the legal fees seem to be much higher than the KFI indicated, and for different things. Could someone in the know please let me know if they are...
View ArticleWhat does LTV actually mean?
Ok I'm a complete mortgage novice and I'm clutching a straws here. We have found a house which has been part exchanged and the company that owns it accepted a offer of £132k when it's on the market for...
View ArticleSelf Employed Mortgage
Hi I am recently self employed (9 months) and wondered what type of information a mortgage lender will require when applying for a mortgage? Over the last 9 months I have been doing regular work for a...
View ArticleCredit Rating - Getting Me Down
Hi, Will I ever see light at the end of the tunnel? Everytime I log into Experian I just want to throw in the towel. It does not make sense for some of the data it presents to me. It does not seem to...
View ArticleMortgage agency sum requested too high?
I was told that I could get the mortgage I want (which is higher than I was told I could get at other agencies) but they asked for £3000 upfront. Is this a normal amount? Seems really high
View ArticleRemortgage and then selling
Hi sorry if its a daft question but we are looking at selling are house but we thought we could remortgage in June pay off are debt and then put it up for sell in the November would this be possible??...
View ArticleInterest only mortgage
Hi, Our mortgage is fixed rate and reverts to 1.99% in a few months time. We currently owe £193k. My salary is £36k gross and my wife is now a stay-at-home mum, self-employed working some evenings from...
View ArticleCondensing Mortgages & Properties
Hi, I'm new to the forum so apologies if I have posted in the wrong place. Both my partner and myself have a property (and mortgage each). We would like to sell both properties and by one together, but...
View Articletransfer of equity with a twist
Is it possible to transfer current mortgage (deal expired) from my name to my wife's name (providing she meets the lending criteria)? There is no separation/relationship breakdown issue here... Many...
View ArticleMortgage with a weak debt record
My son had a poor debt record in a previous relationship, but all debts were settled when they split up. He has recently married and has inherited a sum of money, adequate for a 50% deposit on a new...
View ArticleHosting language students/income for mortgage?
Hello, Have now spoken to another broker part of intrinsic, has advised we go and see him in august, so in preparation for this I want to bolster our income where possible , I host a alevel student...
View ArticleFTB, good finances, buy at auction ?
Hello everyone, My question is: I'm a first time buyer, working and happily saving a deposit and with no debt. When I get to having say a 10% deposit, what are the chances a lender would give me a...
View ArticleBuying house when OH on DMP?
Hi all, Currently, I have a total debt of £7k on a credit card. I finish paying for a uni course at the end of June, after which time I will be ploughing that money onto my credit card with a view to...
View ArticleMortgage with baby on board!
I had a search but couldn't find any threads on it. I'm hoping to go for a mortgage either at the end of this year or the start of next year. We are expecting our first child in September, very pleased...
View ArticleChanging current repayment morgage to buy to let???
Hi I was wondering how hard it would be for me to change my current repayment mortgage to a buy to let? My current morgage is for around £112000 and i have recently had the house valued at £135,000. My...
View ArticleFree home valuation
Can anyone recommend a remortgage provider with current reasonable rates who offer a free valuation that is over and above the basic drive-by valuation (think it's a homebuyers valuation, not sure of...
View ArticleAdvice for a FTB
This is more about hopeful reassurance than anything, as I'm always a little nervous when it comes to money. I'm in the process of buying a flat as a first time buyer. I've got an agreement in...
View ArticleHELP with paying off mortgage
I have a 195000 repayment mortgage (3.69%) and a 75000 buy to let mortgage (3.5%). I have £5000 in savings I want to use to pay off a mortgage. Which mortgage should a pay this off against? Obviously...
View ArticleNew deal with mortgage
Could anyone please advise? Our fixed rate comes to an end in a few months when we revert to a very high svr. I have looked around and seen quite low remortgages but with very high arrangement fees....
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