would i get a 30yr mortgage??
Im 44 years old (just gone 44) if I bought a house in the next 12 months what would be my chances of a 30yr mortgage?? I have a decent pension coming when I retire (hoping to retire at 65) Thanks
View ArticleUse of interest free overdraft affect on mortgage
We are currently in the process of applying for a mortgage for our new home. We had an AIP with the Skipton however the underwriter has declined it due to my use of my First Direct interest free...
View ArticleDeals for 5 year fix remortgage more than 40% equity?
There have been lots of promises that funding for lending will improve rates 'in the near future'. I have an option to remortgage on Thursday for 5 years at 2.79% fee free and free legals and valuation...
View ArticleJoint mortgage - Both credit checked?
Hi, A friend and I are thinking of buying a house together in the next year or so. I have checked my credit rating and it turns out I have a default from 2011 which I was completely unaware of! I think...
View Article30,0000 loan or mortgage
Hi I would like to borrow 30,000 to buy a home with a value of £130,000. I have a deposit of £100,000 (the value of my current home) and no debt or mortgage. I am disabled, unable to work and receive...
View ArticleFamily Gifted Deposits
Hi, Me and my partner are first time buyers looking to buy my partners parents home (there emigrating). The property isn't in an ideal area but we're seeing it as a step onto the property ladder,...
View ArticleNationwide "final checks"...
Just rang for an update on the mortgage application - apparently it is at mandation stage undergoing "final checks". Should know either way by tomorrow, but just wondering what this might mean...?
View ArticleApplying for a new mortgage
Hi, about a year and a half ago i moved out of the house that i brought with my ex wife and moved back home and have decided that i want to move out now into my own place. My name is still on the old...
View Articleremortgage expenses
hello guys, what are the costs to do a remortgage? I know there is a fee to get the mortgage deal which is something between free and £2000 but is there any other expenses? I read once somewhere a...
View ArticleRepossessions rise in England & Wales
Hi Interesting Insolvency news article - 'Repossessions rise in London & Wales' http://www.insolvencynews.com/articl...n-london-wales Further details on this and other trends etc from the from...
View Articlehowl ong for valuation report to come back once its been done???
its killing us...we have waited WEEKS for the valuers to come out to do the valuation... lloyds told us to call them last tues at midday had the agents still not heard from them, as that was the cutoff...
View ArticleHigh deposits for new builds
Hi, I am looking at buying a new build flat but have been stopped in my tracks by the estate agent telling me that lenders demand at least 25% deposit for buying new-builds. I asked at Nationwide, and...
View ArticleFTB advice mortage on new build
hey recently reseverd a new build property, and they are lookin to exchange contracts by end of may, recently spoke to a mortage brooker L&C,and was told by them i cant get a mortage until at least...
View ArticleTry Halifax? Or go broker? Bad credit
My boyfriend is looking at buying a house for us to move into. With our combined savings we are on track to be able to have a 15% deposit. However, the issue is when we checked his credit report he has...
View ArticleMineshafts and mortgages
Currently still on the house hunt, but identified a strong contender. House is located on what seems to be a potential mining hot spot. Another property on the road has a shaft underneath their...
View ArticleExtra on mortgage.
Hi, wondered if u could help, desperate.trying to borrow £7000.00 on my mortgage. Have £17000.00 equity on our house. Self employed with income of approx £40,000 per annum. Wife is also self-employed...
View ArticleMortgage Advice
Hi all, I am after a bit of advice. I took a 100% mortgage out with Scottish Widows, on a house which I bought for 125,000, just over 6 years ago. I am on their standard variable rate (about 2%) and am...
View ArticleDo lenders require you to have Conveyancing searches?
I'm currently buying a leasehold flat. I've had no problems getting a mortgage AIP as I am financially very sound and the bank are now just having a final check of all my documents. However I wanted to...
View Articlefirst direct - any recent experiences?
Phoned First Direct last week and got an AIP for a joint mortgage with my husband but was a bit disappointed to learn that full approval could take between 6 and 8 weeks. Application posted on 27th...
View Articlesell or surrender my endownment policy
I have a standard life emdownment policy which has been running for just over 22 years . I could do with the money to help fund my new house purchase so i have got a figure from the company to cash in...
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