Getting a mortgage on a house with no kitchen
I was preparing to view a respossed house this weekend (to live in not BTL). The house appears in pretty good shape with fully fitted bathrooms in place. However, the previous owners have completely...
View ArticleFairly new on the property ladder
Hello from a Newbie :wave: To finally get on the property ladder, I had to buy a shared ownership flat. I own 50%. I took out a mortgage for it and have been paying rent along with the mortgage. I am...
View ArticleMortgages for Flats above Shops
Just looking for thoughts - am starting to house hunt for my first home and living in London, many of the properties available are above shops and commercial units. Have read various thoughts on...
View ArticleOff plan new build valuations
Hi, Just been speaking to HSBC regarding a mortgage for a new build we're interested in buying. The house won't be completed until December and the foundations have not been laid yet. HSBC informed us...
View ArticleHelp to Buy - do all mortgage lenders qualify
Hey all, We just got an offer on our house. Having a look around what houses are available for me to buy next, and there is a newbuild which I like, but wouldn't really like to fork out the whole...
View ArticleWhat sort of financial evidence would a mortgage lender require?
What forms of evidence would a mortgage lender ask you to provide in order to prove: 1. Your salary 2. Your deposit The reason that I am asking is that I usually pay the vast majority of my monthly...
View ArticleFirst-time mortgage deposit from 3rd party - Problems!
Hi guys. I'm in what surely can't be that uncommon a situation; my girlfriend is looking to take out a first time buyer mortgage in her name only. She has no deposit money. I do. But I can't go on the...
View ArticleMortgages for defaulters?
I have 9 defaults on my credit file for unsecured debts. My husband has a clean credit file. We have a joint mortgage with 9 years to go, we have never defaulted on any mortgage payments. I am in the...
View ArticleMortgage offerthrough EA adviser, now using another EA
Hi guys, me again! So got my offer and all is hunky dorybut seller still hasn't instructed solicitor.Some *ahem* assertiveness on my part has got the EA to admit seller can't find anywhere to go. I'd...
View ArticleDIP with credit check: is this definite?
Hi, got a decision in principle today from the Woolwich. This is to port my existing mortgage plus an extra £50k of borrowing. Before he inputted it, the in-branch advisor said it would probably be...
View ArticleNationwide have me over a barrel :(
OK, the basics first 1. Mortgage with NW (Just under 90K left of a 106K Mortgage) 2. Property valued at 115K 3. Currently on the BMR (2.7%) and not tied to a deal. Heres the issue, just finishing a...
View ArticleNew homes/townhouses
Why do new homes seem to have lower value or its price increase less than an older. (over 20 year or so). I also notice that townhouses stay on the market longer than "conventional" houses. Is there...
View Articlemortgages and self builds?
Basicaly I live in a very expensive area with my bf, bf's parents own a plot next to where we live, which used to have planning but ran out last year. Me and my boyfriend want to build on it but are...
View ArticleWhat is a £200,000 house likely to be worth in 30 years time?
I guess this questions is like how long is a piece of string, but say if one were to have a house valued at £200,000, and no house crashes were to happen, what would it likely be worth in 30 years time?
View Article20 year old wanting to buy new build 170k - £230k please help
Hi guys, first of all, please take me seriously I am not a troll, or a dreamer. I am serious and need your help. I would like to purchase a new build house, (not a apartment/flat) with a garage with in...
View ArticleDoes your credit score effect getting a mortgage
I don't know if anyone can help me. My husband and I are looking to get a mortgage, both FTB's. We have just one loan £3.5k remaining at £104 a month, and we have a credit card each that we use every...
View ArticleRe-mortgage question
I wonder if someone can help me with this. My wife bought a house, in her sole name, as is the mortgage, before we married. We both live there, I do not contribute financially to that property. I have...
View ArticleShould I pay my mortgage off?
Hi, Due to an inheritence I am in the lucky position of being able to repay my mortgage off in full at the age of 26. I have put off doing this so far as I have the money invested earning about 6%p.a....
View ArticleBuy to Let Mortgages
Afternoon, Does anyone know if there are any buy to let lenders that don't require you to already be a residential home owner as part of their lending criteria? I own a property at the moment but it is...
View ArticleNationwide... a little advice if anyone has time.
Hi Guys, I currently have a mortgage with Nationwide that Ive had for 7 years, with £86,500 left on it. Have sold the flat, and have put in an offer on a house worth £195,000. I have a 15% deposit and...
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