Mortgage Advice for newbie
Ok so I am 31 years old and my Slovakian girlfriend is 26 years old. We are keen to buy our first house at the end of 2013/early 2014. We are both on the electoral register at our privately rented...
View ArticleHelp needed for mortgage problem
My sister is looking for amortgage under what seem to be unusual circumstances and has been knocked backby a couple of mortgage brokers - can anyone give advice? The situation is this: Our elderly...
View ArticleOff Set Mortgage - Will the bank make a deal?
Folks Due to an inheritance, I am now in the fortunate position of having the amount of savings in my off set mortgage equalling the mortgage amount. i.e i will not be paying any monthly mortgage...
View ArticleMortgage approved with catches!
Hi there I'm hoping someone can give some advice. We have just bought a property which was on the market for £149,950. however we are buying it at a fab £135,000! The mortgage advisor has confirmed a...
View ArticleRandon Audit Check - very frustrating!
We have had the all clear on our mortgage for a while now and have been waiting for the vendor's mortgage to be processed. We were told last week that their mortgage had been approved and that the...
View ArticleNew to mortgage - term advise
Hello. I am planning on using my Right TO Buy to buy my HA property. My question is this - are the longer "offer" terms better? With the Right To Buy, I cant sell my property within the first 5 years...
View Articlereposession threat help
Hi, Looking for some advice on how to deal with this situation I find myself in. Had a mortgage for a number of years with no problems. It is with NRAM. Seperated from Ex a year ago - who has not...
View ArticleNeed advise re. paying shortfall
We will have a shortfall of £24,000 when our morgage ends in 10 years. We are hoping to move soon and estimate that we will need to borrow an extra £40,000 which we will pay over 10 years, repayment,...
View Articlemortgage and maternity
Hi in middle of mortgage application i am applying on my own due to my partners credit rating. Now im on maternity and today they asked to verify the date i started and when i will be returning now i...
View ArticleAdvice for remortgaging please
Hi, So I made a bit of a mistake with my existing mortgage and thought my mortgage had 19 years left on it at a rate of £624/month, turns out its actually got 24 years left on it (don't ask why I...
View ArticleDLA as income
Hi My wife and I are currently looking at moving home to be closer to our son's new school. As our son is disabled we get DLA for him. I was wondering if anyone knew which lenders will accept this...
View ArticleShall I Increase Lower Borrowing Term & Reduce Higher Borrowing Term?
I have finally decided to sell current property and upsize and need to know if I should extend my better rate borrowing duration and shorten the higher rate borrowing duration? My details are as...
View ArticleRemoving a default from credit file?
Hi All, i have a great credit history except for a default incurred last september for £800 with Lloyds TSB. Thi has been satisfied extremely quickly but my chances of getting a mortgage or slim. Can...
View ArticleCharge for reducing term
My mortgage product expires at the end of the month, so called my current provider (Skipton) to see what deals are available. After being given the rates, I asked how much the repayments would be if I...
View ArticleHelp to Buy Scheme
Bit of advice needed re purchase of new build home. I've worked hard over recent years to clean up my credit file and save up a deposit (currently renting). I've been looking at a new build development...
View ArticleAssessment of my Credit Report
Hi, I have been monitoring my Credit Report for sometime now, the last one I got back in Oct 2012 was up to 957.. (heading in the right direction..) Anyway I was wondering if anyone new of a service...
View ArticleVictim of my own thriftiness!!
Hi all, Am hoping someone out there can help put my mind at rest... My situation - I am 31 and currently undergoing the mortgage application process with my husband on our first home, stressful enough...
View Articleremortgage - considering part repayment
Just remortgaging our IO mortgage with our lender @ 3.3% for 5 yrs.Mortagage has 8 yrs to run. This saves us £50/m. The endowment shortfall means needing to save @ £200/m. They are offering to split...
View ArticleSelf employed maternity leave mortgage
I am self employed and earn a similar profit year on year. My husband is employed. We are looking at selling our house and buying a bigger one in approximately 2 years. No problems so far, as we are...
View ArticleRepayment
Hiya Can i get some advice please,I have a mortgage for £54,000 on my house,which is worth around £97,000. I have another 15years on the mortgage,but my re-payments are 'Interest only' Im 47 this...
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